i have one next to my spine, and it bothers me when i drive sometimes. it is usually not painful, but sometimes it can become painful. i notice different foods can make it more painful (mainly, non-organic chicken liver...). most of the discomfort comes from if i'm smashing it against a seat/chair. it's rather large, as well. i can identify with it hurting ones self-image/causing insecurity. if i had the money to blow on it i would, but there are things that take precedence. it's the only such tumor that i have.
i have a friend with multiple, but it is harder to see on him because he has more body fat in general. i think he got tired of me complaining of the one i have and finally told me about/showed me his. this made me feel a little better about it.
as far as if insurance helps, i know it would with mine, due to it's position being so close to my spine, and how it's basically a nuisance when i want to rest on my back, or sit straight with my back against something. it can become painful. but it would still be expensive.
*edit: as far as diet goes, i have read that food allergies can cause these. i do think it is probably something to do with our foods, or at least it's very possible that something food-related, be it the modification that they do, or more likely some herbicide or pesticide, might cause these. i know when i was first starting to considerably react to certain foods, being allergic even though i didn't know it at the time (borderline anaphylaxis if that's possible for a lot of many years), when the growth was first noticed. in hindsight i was suffering from an allergic reaction to milk that came on strong right around that time.