I put this in Health, but you all know me and I want to put it in here too, and add something I forgot...

Can I ask a semi serious, semi stupid question of everyone? Typically one goes to a dr for medical advice, but I am not sure I agree with what I am told concerning my heart.
Things that have concerned dr's over the years: irregular heart beat, heart murmur, heart beating in stomach, heart dropping beats then speeding up, heart speeding up when breathing in.
Other factors: family history of heart disease on both sides. Mom has same factors I do and sees a cardiologist who told her her heart words harder than it should plus there's a small leak. One thing she has that I don't is afib. I also know that while my good cholesterol is low, my bad cholesterol ( plaque forming) is higher than it should be. I often feel faint or get "cold water" feeling through veins right before I think I'll black out. All my EKGs are normal.
My question is- shouldn't I be seeing a cardiologist? No dr has ever suggested it and the one I just asked didn't think so. "Go to ER if you feel worse". I'm not in an emergency and one doesn't go to cardios for emergencies anyway. Am I missing something? Do I just ignore all my symptoms? Thoughts?

Also, I don't need a dr referral to see a specialist... Do you think I should set out on my own?