it is still very easy to fit a trace under an 0805, as most boards these days have silkscreens there is no issue with creepage,
as for soldering them, as long as you maintain a reasonable spacing, 0805 is very easy, its 0603 that is hard on most, (i prefer maintaining 2.5-3mm eade to next edge spacing between smd passives) but yes you are correct on the power level, but it comes down to the project, if you are working with higher power stuff in large quantity you use larger passives, if you work with low power you use small pasives, and if its just for hobby use, you prefer one and hold onto or use larger ones as needed,