I had two things removed.
26 years ago, a small cyst that was on my back for over 20 years suddenly became large & painful. I went to the ER to have it taken off in 2 visits. The doctor explained that you can have something like that for many years with no problems - unless your immune system decides to attack it for whatever reason.
15 years ago, I decided to have a lump on my ear looked at. It was there for 6 years. After getting several quotes around $5,000.00 for the 10-minute procedure, I saw a dermatologist in (believe it or not) Beverly Hills, who took it off for $850.00. He said it was a harmless fat tumor. He said most of us have several of them, but we don't know it because they're often internal. We don't like them when they're near the skin because they're visible.