I had a chin that was fixed, his balls would never drop, you can put him on his back and press gently down on his abdomen and if he has testicles, they should descend into the scrotum.
Neutering a male is far less complicated than spaying a female. Its only dangerous if you have a vet who isn't experienced. And anesthesia is risky no matter what procedure you are having done.
I only neuter my chins if I absolutely have to. I have had pairs together for ages and instead of separating them, I neuter the male so I can avoid any future litters from an old couple, and they can still live together.
I am a vet tech and have had 3 males neutered at my clinic. they all did well. there are risks post op like abscesses, which I encountered with one male, but as long as you clean it out and put them on antibiotics, they turn out fine. Of course I am a little more experienced given my background, so I wouldn't recommend neutering any male if you are uncomfortable with taking care of them post op.