Can't give advise.
I'm 67 and had permanent afib for about 4 months two years ago. The cardiologist i saw would say that your score is a bit more than 1 because of your afib.
However, after questioning him about blood thinners which he prescribed and i stopped taking at the beginning of this month, he said that with my score the risk of a clot or bleeding were about even. It's up to me what i want to do but once i reach 70 i should take an anti coagulant.
I take nutto (40g) 1/day and 1/4 clove of raw garlic and hope for the best.
As far as clots forming in the LAA it's interesting to read the article in the Resource section: 'Left Atrial Appendage: Useless or Priceless?'