Lots of other factors come into play here...
Most importantly, have you ever had a heart problem or stroke? Do you have other risk factors for heart disease, such as a family history, smoking, high blood pressure, diabetes... there are a few others...
If… and that's a big if... you have none of those risk factors, and you're quite physically active, at a good weight (OK, you could probably stand to put on a few lbs.
) then a lot of doctors would not recommend cholesterol medication with those numbers.
Sometimes it's good to share with your doc what your philosophy about medication is, especially when it's a gray zone like this. He/She might err on the side of putting people on a medication if it may possibly help. You very well may not embrace that perspective.