I've worked with fluoride chemistry in the lab, which entails some specific safety protocols due to its effects on the human body if you make a mistake. Your characterization of the health risks to humans is misinformation, particularly at the exposure levels in water regardless of how much you drink.
Fluoride aggressively and preferentially binds to calcium in the human body. That's how it protects teeth, the chemicals that cause tooth decay have a weaker affinity for calcium than fluorine, and therefore can't displace it.
The mechanism of action for its lethality is the same. Calcium ions are used throughout the human body, notably in the heart for critical signaling functions. If you are exposed to sufficient quantities of fluoride, it will circulate until it finds some calcium in your body, including readily depleting your calcium ion channels which causes your heart to stop working.
Human bodies have significant excess calcium floating around. There is simply not enough fluoride in water, no matter how much you drink, to tax those calcium reserves. People have been drinking naturally fluoridated water, some at much higher concentrations than municipal water, for millennia.