@yorlik -I have the same risk factors in my lifestyle plus mountain biking. Been on apixiban for 5 years. In Canada the generic drug is 30 Canadian dollars a month. My cardiologist told me it takes only a few hours of afib to create a clot, but 2 weeks of apixiban to resolve it. I had an ablation 8 months ago and no recurrence yet but the recommendation is to stay anti coagulated for life. It does take longer for small cuts to stop bleeding but otherwise no side effects. I take extra care with tools and don’t do crazy stuff on the bike. I would rather take the smaller risk of a major bleed over a stroke. Aspirin won’t do the job, and warfarin is a real problem to keep at the correct level.