[davak]

For normal people monthly lab testing would be overkill at best and dangerous at worse.

The thing to remember about lab tests is that the "normals" are based on bell curves so approximately 1 out of 20 labs will be abnormal from this phenomena alone. The more labs you get, the more false abnormals you get. If each false abnormal gets worked up, you are talking a lot of additional testing and worry.

Typical recommendations to test hypercholesterolemia is every 90 days at most if actively treating and then yearly once stable.

To your aside, I think annual physicals are probably overkill, but primary care doctors are now expertly trained in screening for multiple issues that could affect young healthy folks. Seeing your PCP for a "well-person" visit every few years is a good idea. Most of the time the doctor isn't going to order labs and will just chat a bit, do a physical exam, and get you on your way. A good doctor will have informed opinions about your exercise and diet regimen, for example.