38M here - have always been athletic and in good shape. I just had a PF ablation at Mayo last Monday with Dr Madhavan - she is wonderful. Feeling great overall after six days - walked the dog for the first time this morning. I think it comes down to quality of life and once you start to develop more frequent episodes that impact your ability to do things - the ablation gets more appealing. I had my first episode in 2019 and only had about one episode a year until six months ago when I started getting a few every week. I have been on Flecainide, Diltiazem and Eliquis since then, which mostly halted the episodes until I could get in for an ablation.

The problem is that Afib is a progressive disease. I did everything I could between diet, exercise and cutting out triggers - it still eventually got worse. How soon it gets worse is different for everyone. So I think you are fine to wait until the timing feels right for you. Check out the channel "afibeducation" on YouTube - he is very informative and responds to most comments.