I suspected as much , ntd62 (I think you may have meant to respond to me, and that you are reporting your own computed CHA2DS2-VASc score?) And that is why you should be on a DOAC. I went through some of what you are going through, including looking askance at the prospect of having to take an anti-coagulant for the rest of my life. Now, seven years later, and in better health, with my atrial fibrillation controlled strictly via a catheter ablation isolation of my pulmonary veins, it's just a fact of life. In fact, my own CHA2DS2 score is a solid '1.0', yet I still take the DOAC because I'm a computer user and sit a lot....at 72 years of age. Quite some risk of DVT, or deep vein thrombosis. I figure I cut my risk of thrombosis taking the DOAC and can live with that insurance and a sip of water.