Hello, Vagus. Sorry about the long delay, but teatime, etc. got in the way. I declined Warfarin because of the risk of internal bleeding, and also because I used to work with a guy who was taking Warfarin. Every few weeks, he had to leave work and go to a local hospital to have a checkup. The staff there checked his dosage, and how it affected his blood. I didn't want that kind of life; I just wanted to live quietly and not be bothered with hospital checks. There was the risk of internal bleeding, as well.
I turned down NOACs also because of the risk of internal bleeding. I felt that, every time I swallowed a tablet, I would be giving myself a death sentence. I would have been waiting for the pain to begin.
I decided to let nature take its course. I'll turn my toes up when nature, fate, or whatever decides, without me helping things along by taking a tablet. That was about 4 years ago, and I'm still here. Would I still be here if I'd taken one of those tablets? Maybe yes, maybe no.