You don't need XRay and your reflow oven can be a toaster oven. I do recommend a cheap microscope and a good pair of tweezers though. With this you can do 0.5mm pitch BGA although that is pushing it. I've made hundreds of prototypes this way.
The fear of BGA parts is seriously overblown. The only real expensive part is the finer pitch parts will require tighter tolerances on the PCB which will take you out of the PCB batch services price tier.
The fear of BGA parts is seriously overblown. The only real expensive part is the finer pitch parts will require tighter tolerances on the PCB which will take you out of the PCB batch services price tier.
edit: toaster oven, not toaster