@jlcswell. I share your frustration. I had a TIA in January, my cardiologist put me on Xeralto and statin right away. I do not tolerate either of them. I also had a loop recorder put in and so far there's no afib reported.
Have you heard of this little medical device called Kardia? It's only about 1 inch x 3 inches. You put your fingers on it and it measures your EKG and it detects afib. My son in law had afib before and he can email the results from the app to his cardiologist if afib shows up. My daughter got me one years ago. I showed it to my cardiologist and he approves. I use it everyday for my peace of mind. It's only about $90. You can get this from Amazon.
I'm seeing my cardiologist in October and I am hoping to get some anwers to my questions. I'm not a doctor, but isn't ablation for Afib? If you don't have afib, do you need it? My son in law had afib and he had ablations done. Finally my daughter found a cardiologist from another state and when he went there, this doctor found a genetic problem that no other doctors saw. He had a surgery and now no more afib, no more meds. It pays to get a second opinion.

I hope you find the answer you are looking for, and I hope you'll feel better.