Skin Tag cluster or HPV Wart? It again!

Hello, Ever since I developed a large belly (due to covid19-era overeating) I coincidentally developed what appears to be either a skin tag or HPV wart on my groin area. When my dermatologist looked at it closely he stated that it's a skin tag not a wart. I had it removed at  his office using some kind of electric-buzzing device. I went on for several months "cleared" of it until it reappeared sometime this month (or at least that's when I noticed it again), and will visit a dermatologist to remove it again regardless of what it is. So this is the second time having it. However, I'm having doubts of what it really is. Its edges are undetached to the skin while the skin is fully attached. I uploaded a picture for you to see. It's the size of a very very small coin.