I think the watch is worth it regardless whether you use it to monitor your fitness and health. I will be getting one soon. Some sort of device like this that can track heart health, fitness, and weight should be prescribed to patients after cardiac surgery! My FIL recently had open heart surgery and stayed with me- I had to track all of that daily by hand for 2 weeks and report it back during the followup (the surgeon was very happy with the information). Having a daily log over a period of days would tell healthcare providers a lot about how the heart is recovering and could cue them to running more tests.
Of course, it shouldn't replace any in office testing, but it would be a good preventative measure and improve the outcomes for patients after surgery. I'm not very sure how much prevention value it would carry for someone that hasn't had a heart attack yet. We cannot always predict that, some healthy people with no signs do have them. You would think though, that if you could pull a log of how the heart is functioning every few hours, and especially during exercise, then you might be able to tell if there are abnormalities over a long period, but I don't know, I'm no specialist.
Right now, my little brother is using a smart watch (not apple) to track his cardio, he's in his mid 20's and has congestive heart failure and COPD. My sisters and I are planning on geting him to get the Apple Watch with Kardia band for Christmas (you add the band to the apple watch for $200, I think), it has built in EKG technology. His cardiologist only gives him one of those tests a year and is one of the primary tools they use to keep track of his heart health and to diagnose abnormalties. I think you would feel better by getting both, really if you just used both of them a few days a week then it might be helpful in monitoring your heart health, in addition to your normal healthcare followups.