That's very interesting OP.
On the subject of schools I think they are considered high risk and "budgeted for" as such when the amount of lockdown restriction is looked at, because the need for schools outweighs the cost in terms of health - when you look at the whole of society. Therefore they get a lot of the "wriggle room" in terms of R. As a teacher I don't have the answers and I'm not high risk myself but I can understand colleague concerns. There isn't really a parallel situation in society to schools.
The numbers of outbreaks in schools can be checked in PHE's weekly surveillance report. There were 12 this week rising from 9 previous week and 3 week before that. The numbers of outbreaks in "other settings" which includes offices etc is also rising - the indoor transmission thing is definitely true.