@kmj126 Personally, in your shoes I would listen to your EP rather than to the varied opinions of strangers on the internet when it comes to matters of your health. Your EP is an expert in the field of cardiac electrophysiology, as well as other medical issues related to "electrical disorders, he/she knows your personal medical history and can best advise you on your options. His best judgement that you don't need a blood thinner following your A-fib event is based on the fact ( as shown in the CHAD2 score of 1) that your risk factors for A-fib other than the statistical, (not medical) score assigned because of your gender are very very low, almost nonexistent. Believe me, if he thought you needed a blood thinner, he'd prescribe one!
Unfortunately, the knowledge base for the people who post on the topic is wide and varied, and while they mean well, along with some of the good information they share is also a good amount of misunderstanding, misinformation, and opinions based on what individuals THINK they know or understand about a topic. This mishmash of good, bad and misleading information can lead ( as you've indicated) to confusion, frustration, sometimes even panic in a reader trying to sort it all out and just doesn't know what to believe.

For what its worth, my cardiologist also did not prescribe a blood thinner for me after my first go-round with A-flutter ( that's also associated with clot formation so treated like A-fib). After a 3 week monitor study showed normal results, informed me that should a second event like that occur, then he would start me on blood thinners, but it was around 5-6 years after that when short runs of A-fib showed on my pacemaker reports. Even then, while these were short, infrequent and less than 1% of my heart rate burden, he didn't jump on the blood thinner ( though he said they had to watch them), it was not until I had several hours long A-fib events that he prescribed the blood thinner.

Hopefully you can sort all this out, and come to some peace of mind about your situation.