>" The natural conclusion is that in individuals with a competent immune system and diverse enough pools of healthy stem cells, it's not that big of an issue."
Thanks, I have been thinking along those lines for a few years now after looking at the age-specific incidence of a bunch of different cancers from SEER. You see that many cancers peak consistently year after year at a given age, while the height of the curve may change drastically. The same was true when I looked at some data from other countries, although I never followed up very much on that aspect.
Then if you read the paper which spawned the multi-stage model of cancer that has been widely adopted[1], you see they make some assumptions for computational reasons that are unnecessary in these days of cheap computing power:
pt ~ 1-(1-p)^t, if p<<1,
where,
p = probability a required mutation occurs during a given time interval
t = number of elapsed time intervals (ie age)
Then by the product rule of probability they derive that, if cancer is due to accumulation of errors (usually considered to be mutations), the incidence at a given age would be:
I(t) = k*p1*p2*...*pn*t^n = k*(p'*t)^n
where
I(t) = incidence at age t
n = number of required mutations
p' = geometric mean of the probabilities for mutations 1:n
k = a constant determined by the number of cells in each tissue,
the proportion of times that a detectable tumor forms from
the carcinogenic cell, and possibly the sequence in which the
mutations occur
If you use the non simplified version of their theory you would instead get:
I(t) = k*(1 -q^t)^n
where
q = 1-p'
In contrast to the model that was simplified for computational reasons, this has a turnover. By setting the second derivative to zero you can get the age at which the peak incidence should occur as a function of number of required mutations (n) and geometric mean of the probabilities each mutation occurs (q = 1-p'):
t_peak = log(1/n, base = q)
From this you will see either the multi-stage model is totally wrong, the error rate must be much higher than commonly thought, and/or the cell division rate of the error-accumulating cells must be much higher than commonly thought (the age is usually taken as a stand in for number of divisions). The last two possibilities suggest that we are constantly generating these cancerous cells and they are being cleared somehow.
[1] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2007940/