Those days are over. The new chips come with a high level language like python, pip. You can program it like you would with a digital ocean box but with a lot more constraints in hardware.
I haven't done any soldering but I don't see why that should turn people off. I mean I am worried about the toxic fumes but I'm sure theres way to mitigate that.
The whole point of having my own chip and programming it is the experience itself. Particle.io does not make sense to me as it seems to be another commercialization via platforming of this space which might make sense in enterprise but for the hobbyist, I doubt it.