It is not a problem until there is a problem. By that, I mean that a low resting heart rate by itself is not a problem, but if it results in symptoms or gets in the way of your everyday life, then it is a problem. Sometimes patients with bradycardia (low heart rate) have no symptoms or issues. Sometimes they may have bouts of dizziness, especially when standing up from sitting or kneeling down. Sometimes they may even faint or pass out. Then it is a problem and needs to be addressed.
On one occasion before my surgery (and pacemaker) I remember standing up in the fitness center, getting ready to start my 3-4 mile treadmill run. I watched my heart rate monitor, and the number just kept going down, down, down as I stood there and relaxed. When it got down to about 45 beats per minute, I remember thinking to myself "I'd better get moving to speed it up, or it might just stop." I don't know how low it would have gotten, but as soon as I hit the treadmill, it went right up to 140+ once I hit my stride.
My actual need for the pacemaker was not evident until after my valve surgery. We (not the surgeon, though) believe that when the surgeon cut to remove my native aortic valve, he had to cut wide to get the calcified valve out. The nerve bundle that connects the atria (upper chambers) to the ventricles (lower chambers) runs right next to the aortic valve. He may have damaged that nerve bundle in surgery, and after that, my heart rate and rhythm became very erratic, sometimes even stopping for 20-30 seconds at a time. Fortunately, this manifested itself while I was still in the cardiac ICU, so they were well prepared to deal with it. When I was asked if I would consider getting a pacemaker, I simply asked them "Do you have one in stock? Why wait?" The rest is history, and life is good.