@naiviv
From my cardiologist at Mayo Clinic the benefits of taking a statin if you have high cholesterol especially LDL outweighs the cons.

Your LDL is high but not really high. As you did mention below 100 is a goal. I take 40 mg of Astorvastatin (spell). It is the highest dose as when they did a catherization of me they did find plaque.

Statins have been out there now for decades. So a lot of research on them is available. One of the most common side affects is muscle soreness. This happens as the statins remove co-Q-10 from muscles. So to counteract that most cardiologist recommend taking co-q-10. I take a product called ubiqunol which is a better form of co-q-10 that is absorb better. I did this prior to taking statin and did not have any muscle pains.

My wife was also put on a statin and had muscle pains. I had her check with her doctors about co-q-10 and they approved it. She started taking co-q-10 and the muscle pains went away. Now of course this is indviduals not you so not saying this will work but something to asked your doctors about.

Every year my HF does a complete blood work on me. My LDL is around 60 and HDL (good time) around 60. He is very pleased with that and so am I.
Good Luck!!