People really think annual physicals ought to help, for all the reasons you listed. But they've been studied extensively in empirical trials, and they just don't; not everything that seems like it ought to work actually does. (Just like how the Earth feels solid, flat, and stationary, but of course we know now that it's a spinning sphere.) Here's a review by Cochrane Collaboration, where they looked at 15 studies involving 250,000 people and found no effect:

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6353639/