I think before spay/neuter, everyone should look at the risks and benefits.
To some people, the benefits of neutering don't seem to outweigh the risks.
I think it is a really personal decision.
As for the teeth, I know surgery is scary, but if he does retain them and bacteria builds up, organ dysfunction can happen. Periodontal disease can be very dangerous. Dentals/teeth problems/periodontal disease is just something that comes with some Yorkies. If they don't fall out by 12-14 months, I would strongly consider having them pulled.
I didn't want Ellie to go under either but she got stage 3-4 periodontal disease at age 5 and her front teeth started falling out. There wasn't really a choice because letting it go could've meant dealling with organ issues later that we may not have to deal with now. Dental problems can also be very painful.
I do understand though.
It is very, very scary and I don't consider anesthesia (whether that is for spay/neuter/tooth cleaning, etc.) routine and I try not to tell people that their dog will be fine because we just don't know. In most cases though, everything does work out fine.