Personally, if he's young and healthy and there are no high risk features, first episode, then chadsvasc which we know is not going to recommend anti-coagulation and I virtually always give cards a quick call to nail down a firm f/u. At that point, it's whatever cards wants... they are the ones having to f/u with these guys in the clinic. There's no reason not to call them on these people. Plus, you never know what they are going to recommend depending on the cardiologist for the day. He might say a) home on no anti-coagulation, I'll see him in a few days. b) xarelto, I'll see him in a few days. c) stick him in, echo, full dose heparin, I'll see him in the hospital, yada, yada....
I've found this type of pt live in this nebulous penumbra of unpredictability regarding management that is solely dependent on the cardiologist on call for the day.
If I couldn't get in touch with cards. I would recommend no anti-coagulation unless the history suggested paroxysmal afib, then I would recommend anti-coagulation and go over all the typical risks, etc.. Done. Next pt.