OK. Here is what happens.
I will try to explain as simply as possible
Cancer cells can develop and do develop in us very day, this does not mean we get cancer everyday. When we are actually diagnosed with cancer, this means that our body failed to defend itself against the initial defect cells so they were “allowed” to progress and form a “team”.
Now, moles can potentially be in part formed by such “teams”. The thing is that, contrary to common belief, cancer is not one disease only; it can take many forms and how it will progress and how it will be treated is related to many factors, eg the organ affected, the type of the dysfunctional cells, the size etc. Depending on these and more factors the doctors can, in our era, determine how the disease will progress, how life threatening it is and how curable it is. And yes, many forms of the disease are curable nowadays.
I know that most of that you probably already knew, but your question may be a reference for other jellies too and also I know from experience that in situations like yours it is good to revise some facts
Having said all that, from what you describe and your doctor’s reaction I think you really don’t need to freak out. Skin moles can be considered neoplasmatic and they may host cancerous cells. It is rather easy to detect the bad ones and it is also quite easy to treat them. From your doctor’s reaction, the fact that they didn’t schedule right there and then for a mole removal, the fact that they gave you the choice now or later after the initial histological examination I gather that you caught it at a very early stage and there is nothing to worry about.
Oh I almost forgot, your doctor probably wanted it to heal well first to minimize the healing period after and maybe to minimize the scarring.
And finally, no I haven’t a similar experience, not yet at least, but I live in a country blessed with sunshine and residents and tourists not so cautious for their skin. Chin up, smile and go for it, you will barely remember the experience in a few months.