A SNP is a Single Nucleotide Polymorphism, ie places in the genome which vary from the reference human genome by change of one base pair. [1] https://www.snpedia.com/index.php/23andMe_v4_differences
About 98% of our DNA does just makes an ordinary human body with normal systems.
So we're only interested in the 2% that can vary.
Or whatever the actual numbers are.
So any diagnosic or risk predictive tests need only check those areas know to result in or increase the risk of pathology.
Many such errors cause non-viable embryos, but if you have survived up to this point, then such a difference is still quite likely to have a meaningful impact to your health and is precisely the part that you'd want to have scanned and verified.
For adult DNA scanning we're not really interested in all the genes vary between all people and code for the color of your eyes, the melanine content of your skin, the shape of your nose or your height - but we are very much interested in, for example, scanning your genes that encode CFTR protein to check if you (or your kids!) will have issues with cystic fibrosis.
It's possible that you don't really have (or your kids are likely to not have) an "ordinary human body with normal systems" - that's what you'd need to find out.
I think you said the same thing but in a clearer way.
However true, that is irrelevant to genetic diagnostics as they exist today. We have no idea how a random error might impact health aside from very limited known mutations that are sufficiently frequent in the population to enable statistical correlation. We are probably decades away from being able to say, for a random mutation, 'this will lead to a deficiency in the synthesis of protein A which impact the development or working of organ B'. We can't even agree on the proportion of junk DNA.
I recall seeing cases of rare genetic disorders that have been diagnosed that way, by online communities sharing data.
http://matt.might.net/articles/my-sons-killer/ is one story that counters "this will lead to a deficiency in the synthesis of protein A which impact the development or working of organ B". For many parts of DNA we do know what protein it makes. For many proteins/enzymes/etc we have some idea about their function in the body - and if we have a test subject missing that protein, then the symptoms will be even more indicative about this, even if the population is tiny (1 in this example!) and doesn't allow for any statistical inference.
This means that if we really want to, we can try to find out the likely effect and possible workaround of a particular mutation, even if we currently don't have a ready-made answer for it.