I am 70 and take a statin due to a high plaque burden in my coronary arteries. I've read that 75 is the cut-off age for positive benefits of statins, but since you have been active and fit your whole life, your biological age is likely younger. You don't say what your LDL cholesterol is or if you've had coronary artery disease. This information may weigh on your decision. In your shoes, I'd get a 2nd opinion, especially given your reluctance to start on statins, which do have side effects for a significant number of people.