Tin Whiskers Are Real and Complex

Most consumer gear does not last long enough in service to have the problem. Vibration, shock, fans, turbulent air flow tend to destroy or prevent whiskers before they create problems.

NASA suspects this was the cause of failures in a few deep space probes.  Ten years or so of zero vibration, and no moving air around the components because they are in the vacuum of space..

The only documented cases of modern electronics failures involve long duration service, 10 or 15 years, of no vibration and no moving air.  Some suspected deep space failures, some documented
failures of oil-field telemetry gear in Australia that were in closed cabinets without fans for over ten years.

Once NASA went looking for it, lots of things were found. Dramatic photos of tin plated variable capacitor spare parts from WW-II that were in warehouse storage for 40 or 50 years are full of whiskers.  But if you turn the capacitors a few times, particularly with some Voltage across it, and it works again.

Yes, NASA is concerned about ultra high reliability in deep space probes and satellites as they should be.

And yes, the military is concerned about putting stuff on the shelf in "The Warehouse" for 30 years and having it still work.

I think our radios, as typically used, hauled out to field day once or twice a year, and moved around some when the XYL dusts the ham shack, with our cooling fans running, particularly if they kick to high every now and then, are not going to see it as a practical problem.

RoHS requires us to use no-lead solder if we are going to sell in any CE country.  We have not seen any problems with our products since we converted to RoHS 10 years ago.  Europe believes the benefits outweigh the risks. Other than the space and military agencies, the rest of the electronics industries, including China are going RoHS.