True, I think it's important for people to distinguish that. "The waves can't ionize, so you shouldn't be worried" is a counter-argument I often see, and it really isn't a good one. The entire point is to try to identify what other potential harm electromagnetic radiation could cause beyond ionization.

It definitely needs to be thoroughly studied. But to my understanding, the past decades of study into it haven't revealed any harmful effects so far, at the energy levels that humans are generally exposed to. I do think it should continue to be studied in different ways, but given the current knowledge, I don't think people should feel very concerned about it.