The problem with interpreting one's own chest sensations is there can be a variety of them that aren't A-Fib: PVC, PAC, etc.
Unless one documents it on a Holter monitor or cardiac event monitor, it's hard to say what's going on with any specific episode of sensations one might have. If it's paroxysmal, catching it is much harder.
I developed mine post retirement so never had to joust with the Feds over it.