I was in the same boat as you. In my 40s my Cholesterol always was in favorable range on both scores and PCP would say “You’re not a candidate for High Cholesterol.” Same numbers in my 50s and then at 55, my PCP said “I’m putting you on a Statin just in case you have any plaque developing we want it to stay where it’s at.” Fast forward, heart rhythm issue detected in leg vein procedure while under anesthesia led me to a Cardiologist. Along with Nuclear Stress test they performed my first CAC test and my score was whopping 2000. Cardiologist said it was a good thing PCP put me on those statins 16 years ago. But no explanation for how and why so much Calcium in my arteries. They told me 2000 is a high number but most of their patients with higher numbers, many over 5000 are doing fine.