Neutering isn't too dangerous when done by a degu-experienced vet (which you should have lined up already in case of an emergency...if not, find one asap since many vets don't even treat degus).
It is a lot of time but remember that what you have are exotic pets. They aren't domestic like cats or dogs. Degus are extremely intelligent and active animals. If they don't get enough exercise and stimulation it can lead to bad behaviors like constant escapes, constant squeaking, destructive behavior, and fights. If you aren't able to provide the amount of exercise and attention required perhaps consider a less demanding rodent. I don't mean that in a rude way and I know you're doing your best. But perhaps a pair of gerbils (who can be a lot of fun, by the way!) or rats would be better
. They don't need quite as much time outside the cage, are very easy to sex, are inexpensive, and will be easier to find vet care for. Just an idea.
Whatever you decide to do, good luck! I hope everything works out
. Degus are awesome pets IMO but they can be challenging compared to other "pocket pets".