Regardless, you can eat the entire coating off of your pan, and there will be no detectable fluorinated compounds in your blood. PTFE is completely inert and indigestible. It is widely used in medical implants inside people's bodies, with no detectable leaching of any chemicals.
I never did use metal utensils with them; it might be I overheated some, but certainly not all, and a pan isn't much use if you can't get it hot!
I buy separate stuff for my kids, and my wife has her own favorite pan.
Of course there's no need to be an asshole like me. But I think it's eminently doable for everyone. I do believe keeping the temperature down is key to longevity, especially for cheaper cookware with simpler two-layer nonstick coating systems. I have a lot of these too, and I just avoid going over 300 deg F or so. No problems so far.