Considering the "down time" for prep the day before, the day of the procedure, and possibly the day after to fully recover, how about first a FOBT to see if there is a need for the procedure (assuming there are no symptoms or risk factors)? If needed, then the colonoscopy would be worth the risks, time and cost.
I do not have a job where I am free to run to the bathroom frequently, and prefer to save my limited sick days to when I am actually sick. I'd rather not use sick days for a screening to look for problems for which I have no symptoms, no risk factors and no family history. Again, if a (risk-free, complication-free and low cost) FOBT indicated something questionable, then by all means a follow-up colonoscopy would be worthwhile.