My first Cocker, Josh, lived until almost 17 and had lots of fatty lumps and warts. I think he started hatching them when he was about 9 or so, but it's a long time ago now so I'm not too sure. He had a wart removed from the top of his head because he kept knocking it and making it bleed, and another removed from his throat because he kept scratching it and it became infected. That one was quite tricky because he was about 14 and it took a long time to heal. None of his fatty lumps were in difficult places or grew large, so they never caused him a problem. I also had his half brother, Sam, and sadly lost him to a back problem aged 11. But he didn't have any warts or fatty lumps.
Now I have 7 year old Louis, a lump free dog so far, and 12 year old William. In the last couple of years he's had 3 surgeries for lumps and bumps. The first was when a fatty lump next to his penis (known in the family as Willy's willy lump
) was getting to a size where it was going to start interfering with his waterworks, so was removed. Then he had two fast growing viral papilloma in between the pads of two of his feet. They were starting to bleed a bit through contact with the ground so had to be removed. Then a fatty lump on the side of his hindquarters appeared and started to grow quickly. A needle biopsy showed spindle cells, which are sometimes cancerous, so it was removed. Fortunately when the lump was checked after removal there was no sign of cancer.
William currently has 3 small warts and one small fatty lump, none of which are bothering him and don't seem to be growing or changing.