With regard to risk factors, it's a very hard thing to judge: whether the risk factors can be taken seriously, or whether they are kind of a waste of time, given how many people develop cancers without apparent massive risk factors.
I have a dear school friend who "defied" all those indicators, (she drinks very moderately indeed, eats healthily, exercises, lives well in general, blah, blah, blah), and got breast cancer in her mid-thirties, so it is definitely worth saying that all these chances and probabilities are on very small numbers (though, over the world's population, of course, the numbers are still huge), and there are so many, many tiny factors at work, including environment, that "factors" can, indeed, end up seemingly meaningless.
It's also well worth remembering that past generations died younger, so there may well be genetic factors - which are very important - in cancers, which never "ripened" or were diagnosed. (In my grandmother's case, she was suffering severe Alzheimer's at the end, so it seemed to be considered almost irrelevant that she had skin cancer 
. As she was already massively distressed, day to day, and was not expected to last long enough, it was considered pointless to treat the skin cancer, and I don't imagine it will have been recorded as the cause of her death).
Sorry, that was a bit morbid. All of your stories were told rather less brutally than mine! 
Sorry we are all in this together, though. 
P.S. My friend lives on the Continent, so they reacted very immediately and aggressively to the breast cancer, so she has got a brilliant prognosis. 