For 64yo female who never had bypass, no stent, no cad, but had asd closure and pvd, having a-fib and chf, clopidogrel+warfarin really required?

Stroke: Afib associated with stroke. 1% chance per year you have agin so in ten years it is a 10% chance . Coumadin (warfarin) usual treatment, clopedigral used in pvd. But both together may not be necessary.

Plavix and coumadin (warfarin): Combination of Plavix and Coumadin (warfarin) increase risk of bleeding. I don't see any indication for the Plavix in your case. (consult with your physician first before you stop).