My feeling is that the fire retardants are a long term health risk. When I was young, many PJs etc were made from rayon, which is not merely flamable, but explosively so. My father refused to buy us any clothing made from rayon for that reason. I think the current laws and regulations are an overreaction. We do need to protect children from fire. But carcinogens are a problem too.
When I was a teen, my brand new that day heating pad caught fire when I slept. I used my great grandmother's quilt to put out the fire.