Soldering fine parts is easy and "safe", it's only about how much time it takes... When you begin (or haven't done it for some time), you end up needing to fix bridging with desoldering braid and solder individual pins. And then you may suck out too much solder and need to add some, then you add too much, it goes to wrong places, etc... No harm done, and no need to panic, it just takes time but the result will be just fine even that way.
First time I soldered a 0.5mm pitched 100-pin component, it took me two hours or so..... Bare copper (DIY PCB). No flux, expect what's inside the Multicore solder. And no experience.
That being said, when you gain enough experience, you can totally solder a 100-pin 0.5mm pitch component in less than 10 seconds, just dragging the soldering iron over fluxed pins, adding just the right amount of solder. But it takes time to reach that.
I don't know if gold plating really helps here that much, I doubt it. I have never ordered ENIG. 99% of the time, I do my own PCBs (down to 8/8 mils & 0.4mm pitch & 0402 components), and when I randomly need to order the PCB's (for example, need more than two layers), I'm not investing any extra in ENIG, being poor...
I accept the idea that gold plating might be a nice thing and maybe it makes some things a bit easier. But really necessary? No way.