Another bassist here who has used various 'oils' on basses for 40 years (I have basses I've owned for 30 of those years) and I've yet to have a single issue with fingerboards popping frets, rotting, delaminating etc.
I've not read any of the links but I would like to ask that if fingerboards shouldn't be oiled due to microbial whats-its... what the hell does the oils from our skins do to aid microbial attack / decay? I've seem some pretty minging, gunky fingerboards where you have to scrape the fatty juices off the side of the frets to find out what the fingerboard actually looks like! If that isn't going to rot the wood, I can't see a cleaner, healthier product doing 'more' harm!