The biggest thing is that the doctor's priorities are not your priorities. To him, a life is valuable... but not infinitely valuable -estimates usually puts the value of a life at (ballpark) 2 million dollars. When you consider the relative probability of you dying, and then the cost to the healthcare system of treatment, he's probably making the right decision (you of course, would probably value your own life MUCH MUCH higher). Btw, this kind of follows a blindspot I've seen in several calculations of yours - let me know if you're interested in getting feedback on it.

Finally, there are two other wrinkles - the possibility of complications and the possibility of false positives from a biopsy. The second increases the potential cost, and the first decreases the potential years added to your life. Both of these tilt the equation AGAINST getting it removed.