As an RF engineer, and a designer of the smart meters in question, I can tell you that putting your cell phone up to your skull exposes you to thousands of times the RF field strength that a 1/4-watt RF transmitter in your electric/water/gas meter outside your home does.
My company does extensive testing on each and every type of meter we produce, determining the RF exposure. In fact, we are compelled by the FCC to do so. As long as you keep your brain 20cm from the meter when it is transmitting (which is usually about every 4 hours at the most), YOU ARE FINE.
All the rest of it is psychosomatic.
Drat. So much for my plan to wrap the meter in foam and use it as a pillow.