There are some people who just have high cholesterol but none of the other risk factors. I'm one of them. I did a calcium score on my heart, and it came back clean. The cardiologist basically said my cholesterol is just part of who I am, and it's not causing problems.
If you're similar to me, you might want to get a second opinion. There are different kinds of LdL cholesterol, and the small, dense particles are the ones that cause blockages. Big puffy ones don't. I have mostly big puffy ones, but classifying them is a different test that has to be special-ordered.
I also have a very low resting heart rate, exercise regularly, have a high VO2Max, and have a healthy diet. So the claim that I was at major risk of a cardiac episode just didn't pass the smell test. If it wasn't for those things, I probably wouldn't have asked questions when my doctor said I should go on a statin.