From this thread and research, it seems lead free isn't easy to work with nor does it hold up to the longevity of regular 63/37. I understand using it is to save the planet and/or health dangers, but seems the reliability of electronics is being sacrificed.
All kinds of doom was predicted, but in reality, lead-free has become perfectly fine. We've refined the alloys over the years, and the alloy of nearly pure tin, a bit of copper, and trace amounts of germanium and nickel, is easy to work with. It goes by K100, Sn100Ni+, etc.
I frankly think it's ridiculous how some people complain about lead-free. Is it as nice to work with as 63/37? No. But SnCuGeNi is really, really close. In no way is the performance even remotely as bad as the whiners would have you believe.
Similarly, there's no real evidence of lead-free being less reliable. Yes, aerospace and medical are exempt, but that's more because of the lack of long-term experience (i.e. longevity data) than anything else. I think once we've got data on 30 year old lead-free products, the last industries will switch.
Nor have tin whiskers become a problem in solder. Almost all instances of tin whiskers are from pure tin plating on component leads and mechanical parts, but not from the solder joints.