We had our previous male Cocker neutered and regret it. He had shown no particular interest in females and was not aggressive with other dogs, slightly anxious sometimes though.
The result of being neutered was:
A) a changed coat. Our groomer said it would change and she was right. Obviously not all dogs may necessarily have the same amt of change
b) a change in behaviour. The loss of testorone decreased his confidence so he became more anxious with some dogs we met. We had not realised that the testorone was boosting his confidence because he was slightly anxious to begin with.
C) we had post op complications which resulted in him being re operated on 11 days later. We now believe that complications may have arisen due to an underlying health issue that was not diagnosed at the time and which later resulted in him having to be PTS last year.
Obviously the above are what happened to us. Please do not think that I am saying they will happen to you. I just think it is useful to know how other dogs are affected by things before a decision about something like this is made. You did mention in your post that you are aware of coat/operation risks
Unless you have to neuter for health issue then I feel it is an individual decision. There are pros and cons to consider. Not only is there vast amt of information from experienced COL's but there is loads of information on the internet.
We will not be considering neutering unless there are medical/behaviour issues and before neutering we would look at alternatives ie injection and behaviourist. Mind you when he is cocking his leg everywhere in the house I may think differently
Hope you reach a decision you are comfortable with and sorry for the length of post