Very good post Tom and you covered some things more thorough than I did. Yes coal is used safely for home heating, the mine I worked at sold 100's of thousands of tons of home heating "stoker furnace sized coal (when I started in 1977 we sold slack coal, the "dust" coal you talk of for $4 ton and good stoker coal for $14 @ T, When the mine shut down in 1986 slack was $15 and stoker was $44). As you said Gas heating is much more convenient and with the installation of gas co-op's province-wide we went from 9 full time employees to just me and I was only working part time.
The stoker sized coal (.5-1.5" sq.) and larger is safe inside for the most part because it is kept out of the elements that create the danger...mainly sun light & moisture. Sunlight will deteriorate larger pieces of coal down to the "more prone to combust slack/dust sized particles (if you stand beside a large pile of lump coal on a hot sunny day you can hear the "snap" sound of small pieces separating from the large pieces). I don't know why coal or grain dust generates enough heat when wet to catch fir but it sure does ( every farmer knows that with hay as well, if it isn't cured well before tightly baling it up, it will burn as well).
Coincidentally, a point a machinist wrote in an article I read last night belongs in this discussion as well. He claims that the fine compacted filings & machining particles that can collect on chip trays can combust and burn as well. He claims to have worked in a shop that this happened to a big lathe overnight and it melted the lathe bed directly over where the hot spot was.