My son had tubes and his adnoids removed at about 18 months old. He didn't have infections, just a consistent build up of fluid. We went to Children's Hospital and saw Dr. Belenky. My son's tympanogram (measurement of the ear drum's movement) showed some signs of hearing loss, but some of that was attributed to the fact there was so much fluid in the ear while they were testing.
His left tube fell out when he was about 4, and the right one- according to the pediatrician, is still there, not causing any problems and he's 11 yrs old now.
It's surgery which requires anesthesia. Because my son had surgery perviously (totally unrelated issue) we knew that he didn't respond to the anesthesia well (he also has chronic lung disease from being a preemie on a vent for 5 weeks) they "did things differently", whatever that means! and he recovered from the anesthesia much better with this procedure and we were sent home the same day (previous surgery resulted in a 2 day stay that should have been outpatient too).
I don't remember much pain or discomfort that wasn't managed with tylenol or motrin; he seems to respond well to that. We did buy some wax ear plugs from CVS I think it was- you can form them into whatever size plug you need and then insert them in the ear for a shower or hair washing.
Just a side note- my 48 yr old husband and his 68 yr old father both recieved ear tubes as an adult. With adults, there is no anesthesia involved and it is a general office procedure for an adult Ear, Nose and Throat doctor. It's a simple click of whatever their insertion device is called and all done. It appears that both of them have malformed ustacian tubes, which can lead to ear infections and fluid build up in adults. I had never heard of adult tubes before - who knew!
Definitely ask for a referal for a second opinion if you feel better. It is a fairly common procedure now-a-days, which shouldn't make it sound any less risky. It turned out to be a good thing for my son because his hearing is fine now, and we don't get ear issues anymore.