Chocolate chip substitutions

If it has a shiny/reflective surface and doesn't melt or bloom (much) at room temperature or hand temperature, then it's already tempered. Virtually every packaged chocolate is already tempered.

Untempered chocolate generally needs to be refrigerated for longer-term storage, so if a package doesn't specify refrigeration (and I've never seen one that does), you can assume that it is tempered.

Chocolate chips are a convenience product meant to simulate chopped up chocolate. Your best bet is to find the chocolate that you like, and chop it.

If you really want the droplet shape, you would need to temper the chocolate, and then pipe it into little droplets which would be incredibly tedious, and almost certainly not worth the effort.