Some reading
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6515763/
emphasis mine
Atrial fibrillation (AF) is a leading preventable cause of ischemic stroke for which early detection and treatment are critical. The risk of stroke in people with AF can be stratified by the use of such validated prediction instruments such as CHADS2 or CHA2 DS2–VASc.
...
The prevention of stroke related to AF is a global public health priority. Strokes due to AF are common and associated with very poor outcome (70%–80% of patients die or become disabled)
...
The associated risk of embolic events, particularly embolic cerebrovascular accidents, is its most serious complication. Careful risk stratification and estimation of the risk of stroke using CHADS2 or CHA2 DS2–VASc can help to identify the high-risk patients who will benefit from OAC. The NOACs are preferable for stroke prevention in nonvalvular AF while warfarin is still the best option in valvular AF. The risk of bleeding should be assessed in every patient with AF prior to initiating anticoagulation to help guide the appropriate determination of the method of stroke prevention and avoid bleeding complications.
and before you jump on the "I don't wanna have warfarin" bandwagon the incidence of bleeds is lower on well managed warfarin than on the "novel Xa anticoagulants"
HTH