I have a few skin tags. I also have a couple in my arm pit. My dr. said they are nothing to worry about. Im not saying for you to do this but I (after getting out of the shower) will take the nail clippers and clip them off.
I dont like them (who does, lol) and dont have health insurance so I am not about to pay for an office visit everytime I want one removed. My bf has quite a few in the neck area. I am pretty sure they are harmless. But, like anything on your skin, if it suddenly changes color or grows and has an uneven border then get it checked out.