Is 3 leaky heart valves something to be afraid of? No congestive heart failure and being treated with a ACE inhibitor and diuretic.

Depends - ? severity. depends upon the severity, which ones, possible causes; often things need to be followed, your doctor should be able to give you good advice....
All relative . Depends on degree of leakiness. If your doc didn't make a big deal of it then doesn't seem you need to be monitored. Sometimes it does require repeat echocardiograms in the future though. .