A mag loop has much higher levels of H fields than a larger antenna. A mag loop isn't all H fields either. At distances of about 11% of a wavelength to 1 wavelength from the loop, the loop has more E fields than a small horizontal dipole. So much for the "magnetic" loop myth. http://www.w8ji.com/magnetic_receiving_loops.htm
I seriously doubt there is anyone on this forum that is qualified to determine the RF levels which are safe, or not, but there seems to be some who are willing to offer an opinion. Advising anyone to ignore the rules is not something an elmer should do. If you want to speculate about what is safe, go right ahead, but don't advise anyone to violate the rules based on your opinion.
There are several reasons for abiding by the rules. That is all you have to do. Of course you could ignore the rules, and hope maybe some yoyo won't drag you into court and claim you caused his cancer, and then you could have the unenviable task of trying to prove that levels exceeding the rules are safe. I would much rather give the yoyo the task of trying to prove that levels less than the rules are not safe.