If you're impatient, plenty of fab houses (like JLCPCB) will do all the soldering for you, for about 0.1 cents per SMD joint or 2 cents per THT joint...
As long as you are not directly inhaling in the flux smoke while hovering over the project, it's not that unhealthy. If you are a hobbyist doing an hour of soldering a week, you probably get more smoke particle inhalation making toast. Or pizza. Or frying literally anything.
(If I was soldering for a living, yes I'd want a really good fume extractor on the bench, though.)
(as of 11:10pm PST 2026-05-11, I hasten to add)