Considering that more people die as a result of cardio vascular disease, it is no wonder it gets so much attention. As mentioned, not just one factor is the cause of cardio vascular disease, their are many things which affect it.
My parents, to the best of my knowledge, never had their cholesterol checked. It is possible that they had high cholesterol and mine is a result of genetics. Neither of my parents died from clogged arteries. My mom died from heart failure caused by end-stage emphysema and 40 some odd years of chain smoking. My dad died, also at a comparatively young age from stomach cancer.
We are all going to die of something sooner or later. I am doing everything I can to make it later rather than sooner. So for me, statins are the way to go. Fortunately, I don't suffer side effects from them....or from Niacin, for that matter.