most antrennas broadcast a vertical signal horizontally from the antenna ( horizontally if the antenna is a vertical rod)

therefore the amount of downward transmission (if you're under it) is negligible - yes you will pick it up but most of the signal will go sideways above you, only slowly dipping to earth.

As a Radio Ham, I frequently radiate hundreds of watts (not hundreths from wifi) from antennas above my head ---- no way would I if there were any risk whatsoever.

Provided the antenna is above you or at least a couple of meters away if level with you - there should be little chance of a problem

However, if you feel your genital getting warmed up - move the antenna
I know that sounds odd but the genitals are very sensitive to wireless heating effects - if you take notice of them - its noticeable with a wireless notebook on you lap.