I had same problem twice. The skin tag was aggrevating as was difficult to clean around etc and it caused heamorrhoid. Also caused an infection in my case. I had first one removed about 8 years ago but another one occurred and I had this removed 2 years ago. There is also history of CC on female side of family but so far have not been concerned regarding this.
I am told that skin tags and heammorrhoids often return and I would go through the surgery again as they cause do much discomfort. Be warned however that the surgery for heamooroids is v.painful