All very interesting but Gingernut is spot on as usual
OP has not given us a diagnosis, just wonky heart valve. It is like saying my car wont start. It is not a diagnosis.
It may be a mis diagnosis - some doctor heard a benign murmur which is NOT a sign of any illness. At the other extreme, OP may need serious advice about life insurance - I suspect not given his post.
So please carry on with anecdotes but OP needs to ignore the lot of them. Go ask your GP what the diagnosis was, get any information you can and PM me and I will have a look