Worried about what might just be a big Spitz mole. But I don’t know

This might be completely nothing (well, at least not melanoma, and may not even be anything serious), and I might just be wasting anyone’s time. Still, I’m kind of worried about these two things on my chest ( https://i.imgur.com/r0jZjmz.jpg ). My “best” personal diagnosis is a Spitz nevus. Big, red, shiny, itchy on and around it, occurred in a cluster (just two), very slow growing (from 2015/16, hasn’t changed in maybe a year or two). But it’s also pretty tender and painful on and around it. Perhaps even two inches around it. The tenderness comes and goes though. That could just be an extension of the itching. Maybe the constant stretching and squeezing of my chest as I move around the day irritates it. I’ll sometimes sleep on my left side and find it shrunken for a few hours, but really, it’s just more bunched up from being squeezed.

My worry is that it’s a really, really slow-growing nodular melanoma. Still, it’s just a worry. My bare chest has not seen sunlight since I was a kid. Had sunburns maybe once a year until I was 16. Pretty moley skin, including on my chest (maybe four or five). No history of skin cancer in the family, but my father, his mother and father all passed of liver, lung and throat cancer respectively (butI never drink or smoke, not even once in a super wolf blood moon).

I’d just get it checked, but I have no income currently and no insurance (live with my mother, not a lot of money and I have some physical and mental issues that make finding work difficult, but I’m now in therapy, so here’s hoping it helps!). We’re going to try to get me indigent care until I feel comfortable in my won headspace to get a job, but the sudden death of my uncle (which is probably making me more worried than I might need to be. nerves, ya know?) has thrown so many monkey wrenches in so many plans.

I guess I just wanna know if I should just convince my mother to drive me to the emergency room or if I’m likely to be okay for the several month process of getting indigent care. We’re scared of a bill half the size of a paycheck if we go to a walk-in clinic. Should we be?

I just figured that maybe y’all would have some advice for me. I’ve looked around, and it’s honestly good for me right now to see people encouraging others to keep going through hardship. The desire to help those we may never meet is, honestly, something that I enjoy seeing in the world. Even if my story ends not being applicable to this site’s mission statement, y’all are doing dang good work.

Thank you.