Dave:
While you don't need to change your life in a drastic way, your planned visit to a dermatologist is a good idea. For one thing, many of your spots may not be moles at all, but only freckles.
In any case, a "higher risk is a statistical statement. All it means is that your risk is higher than the average, not that it is, say, over 50%. But risk or not, all you can do is get regular checks. Anything funny goes, anything all right stays.
Let your doctor do the worrying for you. That's our job.
Good luck.
Dr. R