Is there enough UV to use Halogens as a crude germicidal lamp?
No at all. For that you need UV-C with guaranteed output power (you have to be sure it really works)
Is there enough UV to cause bad eye damage?
Depends on the exact use. With some uses no, with some uses yes. Of course, the danger is not of the short term one, but longer term exposure with an unfortunate setup may become too much and cause problems.
It depends on the illumination level in that area and how the eyes respond to it - if the iris contracts, so reduces the overall internal eye exposure, how the illumination is aimed,...
These lamp standards seem silly.
Say that to someone who got his sight permanently damaged by an excessive UV exposure...
The border, where the UV output becomes problematic is indeed very fuzzy, as it depends on huge amount of the other factors. But as those are practically not possible to control with a general purpose lamps, it is not that bad practice to set the limit low enough. The UV filtering cost nearly nothing, mainly compare to the damage the uncontrolled exposure may cause and it is still way cheaper than would be an attempt to really control the other factors influencing the possible danger.
Yes, there are lamps that intentionally emit UV beyond the standard limits, but these are rather explicitly designated for the given special use, where the other conditions are supposed to be under control (e.g. exact spectrum composition and exposure time with sun tanning beds or so).