Should heart palpitations be taken very seriously if they do not affect daily activity or exercise habits?

Be evaluated. If they do not interfere with daily life they may be benign. It is a good idea to find out if you are having an arrhythmia that may deteriorate into something serious.
Sort of. Well, it depends on your age and health. Most of the time, palpitations are benign. If they are associated with other symptoms like shortness of breath or passing out, that would be more worrisome. Even though they are usually benign, you should get a check up if you have palpitations.