We are very pro-vet here but honestly, I have to wonder about doing wellness exams for youngish, healthy indoor cats every single year. My vet does a yearly wellness, and it's $100 bucks just for a physical exam (no blood or fecal tests whatsoever). If you feel like your cat is very healthy, you can always do your own physical exam at home and then just ask to bring the cat in for a vet tech/vaccine appointment (most vet offices will do this, but you have to be specific and say you only want the vaccines or else you will get the whole package).
Of course a home exam is probably not as good as an expert one because you are not trained or as experienced, but you can do a pretty good job yourself if you follow instructions and know what to look for. It's not like you have to either go to the vet or just let your animal go without a checkup completely. People have been performing check ups on their own animals since the dawn of time. If you notice anything odd, you can then go to the vet for a more thorough review. If the cat gets sick during the year, definitely go to the vet.
The things vets/vet techs/farmers look for in animals to determine health (standard physical exam):
Eyes - clear, bright, no clouding, redness, inflammation, crusting, or running
Nose/breath sounds - smooth steady breathing, no wheezing, snorting, or coughing sounds
Mouth/teeth - normal flesh/gum color, no bleeding or obvious swelling, teeth may be stained yellow but no abscesses/rot/blackening
Body/coat - smooth, clean, little or no dandruff/flaking, no unusual itching or hair loss, normal weight, slender but not bony (run hands over spine and ribs)
Feet and nails - no cuts or abraisons, smooth paw pads, claws appear to retract and flex normally
Tummy and groin - smooth squishy tummy, soft to the touch, no tender spots/hard lumps/tight bloating
Bum - Normal flesh color for the animal, no swelling, protrusions, redness, or inflammation
Combine good bodily condition with normal appetite/elimination/general behavior, and it is highly likely you have a very healthy animal on your hands who does not need professional evaluation. Of course it is possible that there is something really subtle that only a vet can pick up on, but only you know if you prefer to pay for peace of mind even if it is unlikely that something is wrong.
We go to the vet religiously with our animals, and yet we still lost a young cat unexpectedly to a cardiac event. He was rescued and given a clean bill of health by vets just half a year prior. Obviously he had some underlying cardiac condition or something, but even vets can only tell so much with routine exams and they won't order invasive and expensive tests unless the routine exam shows problems. Weirdly, this incident made me LESS anxious about DIY check ups for my other cat. We still bring him in to the vet every other year for an exam, but in between we take on that responsibility ourselves.