I'm in my late 50's (3 years from FIRE) and other than my regular dental and eye exams I seldom go to any doctor. It's not out of fear or anything. I just think if nothing is wrong, why go. Went to my primary care physician today because I had a mole removed. (I do go if I notice changes in what is normal for me.) He asked when was my last physical. It's been well over a decade. And I maybe see the doc once every two years to get antibiotics for a sinus infection or some such thing or for, say, emergencies that would require stitches.
I do understand sometimes things will be caught early that can be taken care of before they become larger, untreatable issues. But I'm in generally good health. My cholesterol runs just a little high (genetics) and as long as I limit my coffee intake my blood pressure stays within an acceptable range. No family history of cancers or major other issues, slightly overweight according to charts (205lbs @ 6'1") and I'm much more active at my age than my parents (both still living in their 80s') were at this age.
So, are annual physicals really necessary?