My proposal is that a healthy person will go to get regular MRI scans, and you would compare any new lumps against a baseline scan. For your very first scan, you statistically don't have anything to worry about, since everyone has a few benign lumps or spots. Obviously if they find a massive tumour on your kidney or a lump near your lymphatic system, then they're going to take it very seriously.
However, if something is just "suspicious", then perhaps you would come back in a few weeks or months for another scan, instead of one year. Machine learning could inform the period of time between scans. (Or just a trained radiologist who knows how to determine the risk.)
I'm not a trained doctor or radiologist, so in that sense, I don't have any clue what I'm talking about. I just enjoy discussing ideas and trying to figure out why my ideas wouldn't work, so unfortunately I haven't found your comment to be very helpful. I think we might even be arguing about different things.