My daughter has a lot of moles and goes into the dermatologist regularly. They usually remove one every year and the funny thing is, I always try and guess beforehand which one they'll remove and it's always a different one, lol. I think that it is VERY wise of you to go in, as quick growth and pain are "signs" I've been told to watch for. My dad just had a bunch of cancerous moles removed - they came up on his ear quickly and painfully. He did not require chemo or anything like that. It was, however, a lengthy surgery - as they had to dig a bit, test, dig a bit, test, until they got to no cancer.
Our derm always says if it bothers my daughter in any way, they'll remove it and insurance will cover it. It's the purely cosmetic ones that they won't. My daughter gets results in about 2-3 days.
Funny story - she had one one year where *I* wanted it removed, and my daughter didn't and the doctor wasn't concerned. But seeing that I was, the doctor was like, "it does bother her when a t-shirt rubs against it, right?" and I said "no" and he said (a couple of times) "but it DOES bother her, RIGHT?" lol. I finally got it, and insurance covered it.
Good luck!