I agree, if you could regain nsr via electro cardioversion, I would choose that first, and sooner rather than later. That being said, if you are considering ablation now or in the future, you might want to check out my previous posts regarding the (relatively) new FIRM ablation invented by Dr. Narayan in San Diego and available now at 11 centers around the country. There is a CONFIRM trial and a PRECISE trial that spells out their findings. You can also find info on stopafib.org. Good luck. Let us know how it works out.
I assume you are talking about the electro-cardioversion. If so, I'd go for the electro if my doctor believed it may work. It is a very low risk procedure, an ablation has considerably higher risk of complications.
In my experience electrocardioversion will require ongoing drugs and anticoagulant. I have never undergone an ablation but believe if successful it is likely that will get one off of drugs.
As your experience suggests, AFib is difficult to "cure", I think all fixes are temporary, some just last longer than others. If you live long enouugh AFib will come back.
I was able to maintain good NSR with electrocardioversion and medications until the age of 67j when my atrium enlargement put and end to that and I underwent open heart surgery to repair the mitral valve. But I am stuck with the enlarged atrium and AFib.