Yes, it's very much an individual thing, Windy, including the cardiologist/EP and what they find works for them. The CHA2DS2-VASc calculator and sites I have visited all say that a person at or above 1.5 should be advised to go on a DOAC, and that at 2 and up, the patient will be very strongly advised. A Watchman, as I said earlier, changes things and brings the risk to 0, or would except where other factors, say high blood pressure, might keep the score in the 'danger' zone.

The physician in this video is an EP, and he mentions CHA2DS2-VASc score assignment and what it means somewhat later in the video: