Frodage - I believe it's generally soft cheeses that tend to have pathogens, yes. I'd speculate one reason may simply be because in a more liquid environment bugs are more likely to spread. (In the hard cheeses of course you've already cultured your milk, and curdled it, and cooked and stirred the curds over a period of a few hours, thus getting the good cheese bacteria to spread right throughout).
I believe as you say it's the final pH that matters, but then that tends to go with age. The whole story of milk turning into cheese, and then cheese turning into, well, older cheese, is a story of acidification. Hence the oft quoted FDA rule about raw milk cheeses being fine if they're 60 days or older.