I have a PhD in this stuff and I'm not sure I'd want to be making those sorts of decisions, especially for myself or a loved one. In your example, suppose I do

I have a PhD in this stuff and I'm not sure I'd want to be making those sorts of decisions, especially for myself or a loved one. In your example, suppose I do have A (or K, L, or M). If I wait, how will that affect the costs and prognosis? Or if I go ahead with the test, what are the possible side effects (e.g., for a biopsy) and what would managing them cost? Even if you're confident that you have—and understand—all the relevant information, you're also often making these decisions in an emotionally-charged situation.