There is no great rush for
basal cell or squamous
cell like there is with melanoma. To me this looks like a common reaction to sun exposure in someone with Irish or Scottish heritage particularly. If it cracks, bleeds, or has a change in surface texture, then I might suspect basal cell or squamous cell. With such fair skin, if you avoid sun exposure for a year, this will not leave much of a scar probably if you have it snipped off.