2yrs of CBCs show low fluctuating (< reference ranges) on WBC, Platelets, and Ferritin (iron serum norm) and high (13) monocytes. Should I be concerne?

Yes. Here's why. Reference ranges are set so that a few percent of healthies fall outside on either side. Counts, especially whites, fluctuate wildly even from hour to hour. While low serum ferritin requires an explanation (are you sure you do not have colon / stomach cancer?), what's most concerning is that your and your personal physician have not chatted about labs despite your interest. Please do it soon.