I know, I should have written this as a response to what BigArnie has posted lately, but since there are so many comments to his post, people most probably would miss to read it.
I suffer on AF for maybe 15 years (68 now, male), but because of having very mild symptoms, never went to see a doctor and never was prescribed medication, including anticoagulants. The shivering in my chest, at night, and quite irregular heart beat, are the signs that it is AF (sometimes, there are some PVCs, sometimes a AFlutter). Many others, in this forum, have also reported to have been without any symptoms and have been diagnosed quite accidentally, because of having had an ECG on the base of other health problems. Until than, they did not know that they were AF sufferers. Many, many others never get diagnosed and die, without knowing it.
It is an official medical estimation that, in any disease, the number of infected is about 5-10 times larger, than the number of diagnosed. If we presume that the real number of AF sufferers is only 5 times larger, than the real risk of having the stroke, when in AF, is 5 times less than officially stated. We come to the conclusion, that the risk of stroke, for AF sufferers, is the same as in general population.
I must mention, to have read in an article, some 5-7 years ago, that the research has proven, that the incidence of stroke is the same for AF sufferers and those without AF. I am sorry, not to have been able to find this article again, despite all efforts. Maybe removed from the web, because of spreading "false information"...