Hi Totto. I had atrial fibrillation for a few years. Yes I agree a beta blocker is a good idea. Mine is bisoprolol 5mg. The main problem is the risk of clotting because the blood gets sucked back before it has been properly pumped away, because the heart beats so quickly. My pulse rate was generally between 100-150 when I was in AF.
So in my opinion anti coagulants are a good idea to lower the risk of a stroke or heart attack. I took (and am still taking) warfarin. I took it straight away from diagnosis by my GP. It takes a while to load your system with warfarin so it's best to be covered as quickly as possible. There are newer anticoagulants to choose from. I don't know a lot about them. My sister in law took one and found that cuts didn't heal well. She bit her tongue and it wouldn't heal without stitches and more drugs. I can only tell you about the path I took. I preferred warfarin because it's an old, well-tested drug. The downside is that you need weekly blood tests while they are figuring out your correct dose, I didn't mind that - I would rather take something that is well-known than a newer 'wonder drug'
I had it on and off for years, a little in childhood too. Then it got really worse about 5-6 years ago (sorry it's late and I'd rather reply quickly than search around for dates.) At first it didn't bother me much. Then I got increasingly breathless, to the point that walking upstairs and up a slight slope was really hard. Tying up laces was difficult too because I couldn't bend for long enough. Once I was out walking and was a mile from home, it came on badly and I struggled to get home. That scared me, so I had less exercise because I didn't like to walk far on my own. However everyone is different, I can only tell you about myself.
Treatment - I had my heart shocked under a general anaesthetic. They gave me 3 and it didn't work. They put me on more drugs including one really dangerous one which I decided to gamble with and take it and hope I didn't get awful permanent side effects. I'm not sure I would tell anyone else to take this one! I had 3 more shocks and my heart returned to normal rhythm for 18 months. Then I had 3 more shocks which didn't work. They said there was nothing more they could do, but my GP had told me to ask for ablation therapy at the John Radcliffe hospital in Oxford. I had this Nov 2012 and my heart has been fine since then (although it took 5 months to feel anywhere near normal). I have heard of some people who really have no symptoms at all and others who become even worse than me.
How worried should you be? The big worry is a stroke. My advice is to reconsider waiting to take anticoagulants. If your cardiologist says you don't need them, it's easy enough to stop taking them then.