The health effects of soy aren't well enough understood to say eating it has "pretty bad health effects". Some studies indicate it has positive health impact, even while some studies of specific things found in soy (and some theories about some specific things found in soy that don't have a lot of evidence to back them up, but they sound good). I think we should consider soy a suspect ingredient, but not an indicted one. I don't eat a lot of it, but I don't go far out of my way to avoid it, either.
There's just too much history of soy consumption in Japan, and too much evidence indicating that Japanese people who eat soy have longer/healthier lives than those who never eat soy, that I think there's some stuff we just don't understand about it yet...making it more complicated than simple ingredients like simple sugars (that we know are generally bad) or fiber (that we know is generally good).
I've gone back and forth on avoiding soy; these days I do prefer it fermented, but I'll eat non-fermented soy foods now and then without feeling like I'm taking a big health risk.
Anyway, I don't necessarily disagree strongly with you, and there's probably a good argument that you should prefer fermented soy foods. But, I think the science is up in the air enough to make me think maybe the "smoking" gun really isn't.
Also, black beans, and some other kinds of beans that are commonly consumed whole and without being fermented, contain more of some of the stuff that allegedly makes soy bad for you. So, if you're cutting out soy for those reasons, you also have to cut out black beans, among others. That doesn't feel like a good choice, to me...since those beans have so many healthy characteristics.