Probably a generational thing, but I was raised in a small logging town in the Sierras, and you went to see the Dr. if you broke something, or couldn't stop the bleeding. I know for a fact that my parents never had a physical of any kind. There was also no vets in town, and if your pet (dog or cat), became deathly ill, it was up to you to put him down, to stop suffering.
I see where Caroline sure does take a lot of tests, and in talking to my daughters (Age 38 and 33), they also get annual physicals.
I have pretty much carried on the tradition of going to the Dr. if you break something, or can't stop the bleeding. (My kids are on my case about this a lot.)
I tore a a ligament in my knee about 14 years ago, and had to have it repaired. (Last time I saw a Dr.).
Caroline mentioned that she knew 3 acquaintences that needed heart transplants. I
have no reason to doubt her, but I'm 69, and have never known anybody personally that had this drastic procedure.