I know thsi isn't really helpful to Sally but mine all get warts on their teats. Our vet said leave them be and they'll go; which they have. Maybe I was just lucky though.
Aye, the others get warts too - but their warts are wart-sized and cause very little problem, just sometimes some cracking and bleeding in the summer which attracts flies. But we can work around them, and they do seem to disappear on their own.
This one was much larger, the size of a big blackberry (the fruit not the 'phone) on the end of the teat, the weight had pulled the teat open and there was some swelling in the quarter.
The vet tied a string around the wart, telling us to replace the string with a castration ring when the string became loose. The wart was so close to the end of the teat we couldn't get the tie right around the base of the wart, but the vet was wanting to reduce the size so it would stop pulling the teat open.
The vet was not worried about the quarter at that time, saying that the swelling was just 'fellon'. However, because I was clearly worried, he gave her a strong antibiotic to make sure there would be no bacterial complication.
The wart itself has now completely disappeared and the teat looks normal. But the quarter is still swollen, and whereas it used to be pliable to the touch, it is now firm. Kitty shows no reaction when it is palpated and it is not warm.
Of course I could get the vet to look at her again and I'm not in the slightest bothered about paying for a callout and consultation. It's just that I suspect I won't actually be reassured, and will then find it even harder to make the difficult decision.