Alex - Are you aware of your other markers for elevated inflammation and blood viscosity that contribute to risk of stroke or MI as a result of thick, sticky blood? There are numerous past posts ...some quite recent... that you can access by using the search feature for archived posts by using that title... thick, sticky blood.
Age isn't the only factor of consideration that might suggest one should use an anticoagulant for the rest of your life so before you use or decide not to use... and if possible, consider having the Predictive Biomarker tests to help with your decision.
If your holter shows that you have periods of silent afib, then that's obviously another significant consideration on the pro side but if it's also coupled with elevated biomarkers, then you will obviously want to take appropriate measures for preventive protection.
Jackie