Only the loose particles are bad for you lungs. I use a 3M respirator and gloves when installing mineral wool just as I would when installing fiberglass. As far as off gassing most off the insulation materials in use today release off gasses. However nothing fills a cavity better than rock wool; unless you decide to use spray foam.
If you have a large job I’d recommend a cutting table for precise cuts. One can be made from easily sourced materials: plywood, door hinges and two saw horses.
Yes, I still use my now 20 year old radial arm saw.
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