Should I get a biopsy?

About a month ago, I noticed some new dark lesions on my left middle finger, which appeared out of nowhere. There wasn't any trauma to the area, and the lesions are non-painful and don't bleed.

They aren't very big, and haven't changed in size since I first noticed them, but their very dark pigmentation and sudden appearance have me a little concerned.

The main one is the black spot in the middle - it is about 2 mm and has fairly smooth, but not perfectly round, edges. There seems to be a little bit of a thickness to it as well.

The other one is the group of tiny dark splotches towards the fingertip - geographical type lesions that are dark brown. (Looks like the Philippines).

It's just odd that they would appear out of nowhere, isn't it?

I made an appointment to see a dermatologist on Thursday, but am thinking maybe I can save a $50 copay if people are like, "that is clearly nothing to worry about." I mean, do you think it's worth biopsying, or is it going to be one of those, "let's just watch it and see what happens in the coming months, bye bye $50" things?