Assuming you really are in NSR, and pretty darned reliably, your burden is indeed very low, almost but not quite zero. So, from a quality of life standpoint, with you not able to complain about how awful your arrhythmia makes you feel, and with the research saying you need to reach about the 3% burden point before we begin to talk about remedies/amelioration/palliation, I can understand why you haven't been offered an encounter with an EP. Might not be quite what you hoped to see in a reply, but that's this non-expert's view of things as you describe. You're really in pretty good shape, certainly very early if it really is AF, and that's the very best place to be if you simply must be defined as an AP patient. Your AF, if/when it begins to act up to the point where it is intrusive and worrying for you, will be the most easily treated in your 'paroxysmal' stage, which is the name of the first stage of AF.

Flutter is not always easily seen if there is tachycardia going on. Flutter is displayed as several jagged 'sawtooth' peaks, low ones, between the QRS complexes on an ECG. If you google, 'example of ECG showing flutter', you'll see scads of them which make the sawtooth quite obvious. AF, on the other hand, shows no discernible P-wave, that small but clear blip just before the Q-wave. Also, the peak-to-peak, or the distance between the two R-waves, the tallest ones, is all over the place. With AF, it can be quite obvious that the distance between them, as shown on an ECG graphic, is random, some wide, some narrow, and no two back-to-back showing the same time/distance interval. That is why AF is called 'irregularly irregular' as a rhythm. It ain't a rhythm....at all! A 'rhythm' has a cadence we can all follow, but AF has no repeatable 'rhythm'.

A personal story: I am very much an AF patient, but one trip to the ER had the attending internist doubting what was revealed. The nurses all thought it was AF, but he asked me to agree to a dose of adenosine which would slow the heart drastically and improve the resolution of the display above my head for all to see. I agreed, they warned me it would be a 'dreadful' experience, but only lasting maybe 10 seconds, and that it would be over quickly. They were right, you get a sagging feeling of dread, like you're about to die in front of everyone, but he brightly pointed to the monitor and said, 'See? It's flutter.' I don't know if I had had it previously, unbeknownst to me and my cardiologist, or if that was the only time. Whatever, it did respond to metoprolol and I was sent home after a cardioversion...which lasted a whole 4 hours.

How do YOU find out? You request a 12 lead ECG and for it to be read by a cardiologist. It might show healthy NSR. You'd want this to take place when you know you feel something is off. Maybe a Kardia 6L would help you to nail it as an arrhythmia, but that device, not costly, would almost certainly peg AF if that is what is going on at the time.