Rhody, you've put it in a nutshell!
However, I'd like to add something here...Life causses cancer! Some doctors say that if we all live long enough, we will all eventually get cancer.
So, by all means, avoid the things you know are bad for you (smoking, sunburn, excess alcohol, high fat diets, etc.), but live your life to its fullest. If you spend all your time worrying about what you might get, you'll have wasted some of the best times you could have had.