Good for me that our products with BGA chips works well, and did not take a large number of reworks. We got one rework after reevaluating our initial decision with regards to number of layers in relation to allowed trace width/spacing. But we needed that rework anyway, because of some adjustments for some memory chips. Solder quality of course inspected with x-ray.

BGA normally has excellent reliability as long as the factory has their solder processes calibrated.

But note that I did post information about hobbyists, including people soldering in toasters. Isn't that enough for you to realize that we are not talking about factory production. But it does show that BGA isn't automagically impossible to make use of for a hobbyist. At least when selecting smaller BGA chips. Going lead-free does make it harder, because of the limited margin between melting the solder and killing the chip.