Hello beahaven - from your F0-F1 starting point your HCC risk is pretty much the same as the general population (ie very small).
Normal, F0 and F1 are all close together. F3 and F4 are close together. F2 is a middle ground. You are at the lowest possible end for fibrosis and the lowest possible risk for HCC. While there is a push to extend surveillance to F3 patients there is not a push to extend it to F2 or F1 or F0.
Your doctor would seem to be being over cautious. Monitoring your AFP is almost certainly sufficient (if you are of a paranoid disposition), particularly if funds are tight.
If you were my patient I would not be monitoring you for HCC (with either AFP or U/S) and would have declared you cured.
The occasional patient with F0, F1 and F2 will get an HCC. So to will the occasional patient who does not have Hep C (or Hep
or any other liver issue.