Directly from the American Heart Association page:
Calcium scoring isn’t recommended for people who don’t have heart disease symptoms and have a low risk of heart attack unless they have a strong family history of premature coronary heart disease.
I have a friend who at 59 had a calcium score of zero given a clean bill of health by his MD prior to retirement. 4 mos later he suffered a heart attack and cardiac arrest. He had three coronary arteries that were nearly 100% blocked as discovered in the cath that took place after he was resuscitated. He had been on statins and triglyceride Rx for years.