Is your "low but real" risk comparable to the risk of driving a motorcycle, of riding in a car, or of using the bathroom?
Reasonable treatments for small, non-aggressive skin cancers (or suspected cancers) are extremely low risk. And reasonable practitioners will often suggest that you merely keep an eye on an abnormal spot - because it doesn't look worth the bother of any sort of treatment for now.
That's not how risk management works, you don't disregard one because another is higher, because risk compose. At the end of the day you'll be in a car accident coming from a surgery you didn't need.