I am not a medical person, but in my experience, the results of a non-fasting blood test for cholesterol are usually way off. They can give you an idea that there might be a problem, but I wouldn't go by the results of anything except a fasting test.
Lph, my numbers are similar to yours; when I was 35, my total was 160, at 40 it was 180, and at about 46 it shot up to 245! Perimenopause really affected it. I was exercising, but not cycling. I started cycling at about age 48, and got my total cholesterol down to 222. The last time I had it tested, about 2 years ago, my total was 217, HDL 71, LDL 30 (I think). At one point, about 4 years ago, my HDL was 81 and my doctor said he had never seen a number as high as that! Definitely from cycling. So, my gyno. always says, "see your PCP, your numbers are high." My PCP always says I don't need a statin because my HDL/LDL ratio is so good, even though my total is still a bit high. There's no real heart disease in my family (except self-induced). I guess I should have it tested again. Personally, I don't think eating a few eggs a week (4-5) is going to make your numbers shoot up. Saturated fat is what makes your cholesterol go up.