I've tried a variety of solder, and there's nothing like good old 60/40. I've used it regularly for close to 10 years, and I don't worry about it. I am, however, particular about ventilation and cleanup. I always have a couple windows open and a fan running to remove the smoke If you do it right, you'll hardly notice it. After handling lead, I never touch my face, etc. with lead on my hands. I always wash off before that, eating, or any other activity where I could ingest it. Sure, there's still some exposure if you use it, but you can really keep it to a minimum.
Denim- are you thinking of the RoHS deal thing in Europe? They went lead-free, but I have not heard of it here yet. You will see a ton of RoHS stuff at Mouser, Digikey, et al. since they're international. If it does come to pass, however, I'll stock up on 60/40.