For your personal projects you of course do not have to satisfy RoHS requirements, so you can use whatever solder you want.
60/40 and 63/37 eutectic solders are easier to work, and give better looking solder joints. There is no problem with lead solder toxicity. Lead does not evaporate at soldering temperature. May be you should be a bit careful with fine powdered solder like when you are emptying desoldering pump, but just wash your hands afterwards. And that's all, no need to worry.
Lead / lead free incompatibility is significantly overhyped. Yes you can remove old lead-free solder with a wick to get better looking shiny joints, but at hobby level, reliability is not significantly compromised even if you omit that step. For the naysayers, it is even professionally considered OK to mount BGA chips having lead-free balls with leaded soldering paste.