Sometimes those bumps do come from allergy but when they are on the face and legs they have potential to be cancer so it’s best to have them removed. Vet care for the dog is not “wasting money” this dog is a member of your family and should be treated as such. If anyone else had a tumor on them would that be a waste of money as well? I’m sorry you are in this position because obviously you are the only one who cares for the dog. Like I said they can do a needle biopsy to check for cancer cells to see if surgery is really needed. Bumps on these dogs should always be investigated.