I get those, too. My chin, as well. I hate it, but they're there, so, oh well. I pluck.
I have to pluck my chin daily.
I only pluck around my nipples when I'm going for a mammogram or a doctor's visit. They've seen hair before, but I'm self-conscious.
I've never heard that the hair is harmful, just an annoyance. Around the nipple is a sensitive area, so be careful about the methods of removal you choose.