Thanks everyone for the answers.
EllenE and Amazz's stories are truly inspiring, I can relate to the denial part of the DCS, in Cozumel last year I often felt unusual fatigue, slight vertigo and very light tingling in the fingers after the second dive. It would start after getting off the boat and last less than an hour, I always dismissed it as "subclinical DCS" since it resolved quickly on its own.
I sensed something was really off when I got the serious hit (the tingling was very strong and was both in my hand and knee), but the dives had been the shallowest and shortest of my whole trip and well within the NDL, so I delayed treatment and decided to sleep it off.
I've always dove air and never had any side effect when I did only one dive, so I was thinking of changing my profiles for this trip : one shallow (less than 70 feet) dive a day maximum on Nitrox following air tables. Cozumel is not exactly the easiest place on earth to implement such a routine, but I have friends there that I want to be with and I love the island, so I'll find a way to work it out…
I haven't been screened for PFO yet, but if it turns out I have one, I will definitely enter Dr Ebersole's study for DAN.
DandyDon is right, I have a French insurance (AXA has a special policy for French diving federation divers), they paid for my chamber rides last year. Might switch to DAN Europe this year, since their top plan includes medical as well and I'm planning on long trip.
Kev, Sallye and others that might be on the island between approx mid-Feb till mid-May, I hope to see you guys. Will keep you posted next week after I meet with my cardiologist.