Another thought -- the longer you are in Afib, the harder it is to convert. Sounds you are paroximal now or perhaps persistent? It can become permanent as Jerry_NJ indicated above.
I have the exact same condition -- Afib with a rapid ventricular response. I have had 2 medical cardioversion and 2 electro-conversions. I think this is a case where you have to take a calculated risk. If your blood is thinned or they do an teeg, to make sure you have no clots, your risk is minimal as I understand it. Your risk of wearing out your heart or doing damage with a high heart rate is more. I could not be converted with meds the last 2 times and was so thankful that electro-cardioversion was available. I was sedated, briefly, like less than a minute. When I awoke, I was in normal rhythm. I went from all the symptoms you describe to feeling so much better. The first time it was a few days before I felt better, but I had been on a lot of meds to try to convert me. The second time I was fine in a day or so, because they just tried one or two meds, then electroconverted me. I am now on a anti-arrythmic and it is keeping me out of Afib.
Your doctor is your best resource. I would not be afraid of the electro-conversion. Some people do it outpatient. I know one fellow who would drive himself to the hospital and drive himself home. Good luck . . . I'll keep you in my thoughts.
If your cardiologist recommends, consider it safe unless he notes some specific high risk factor in your case.
I assume you are asking about an electrocardioversion... conversion with just medication is usually tried first. Beta Blockers, then Anti-Arrhythmic drugs. If these do not stop your AFib my experience is electrocardioversion is next.
With the severity of the symptoms you have something needs to be done.
I consider, I have had 4, electrocardioversions safe and easy to recover from, just a day of rest. Given my history, it is obvious electrocardioversion were not permanent, the best I was able to do was get 18 months of relief and that required I continue to take medications.