All the factors mentioned above seem to be contributers to the issue of raised cholesterol, plaque formation & Chronic Heart Disease risk (CHD). I've read that particle size (LDL-P) are the best indicator of CHD risk, and those at most risk are people that have low LDL-C & High LDL-P.
As for the formation of the plaque, that is the question, is it formed merely because there is an excess of oxidised cholesterol and the body is just trying to get it out of the blood or is the body forming plaque for a specific purpose.
The latter seems to make more sense as the body has the capability to simply shut down production if there is too much in the bloodstream.
One of the arguments on this I have read is why doesn't the plaque simply back up in less critical areas like say your left hand, it mostly seems to form in the Coronary & Carotid arteries, that is those that feed the Heart & Brain, the two most critical organs of the body, surely this is the last place you would start to pile up rubbish. The link below is Dr Stephanie Seneff and she has some interesting theories on this area amongst others.
Stephanie Seneff's Home Page
If you look at the powerpoint presentation "2 - The Silver Lining in Chronic Disease", from slide 59 she gives a brief description of her theory on this, there are other papers which go into more detail as well, but it is a theory, so not conclusive at this stage.
Basically her theories primarilly revolve around Cholesterol Sulphate deficiency caused by bad high carb diet, inadequate sunlight exposure & low sulphur availability in diet & plaque formation is specifically to produce cholesterol sulphate for the heart as the alternative is immediate heart failure. A potentially blocked artery in 10 years time is less of an issue than death now.
Some of her ideas are a little "Out There", but most seem to have a fairly logical basis, I have been searching around trying to find support & verification for her ideas, no luck, but as the question still remains to be answered, her ideas haven't been ruled out either.
One thing in particular that I would like to verify is:
Does plaque form mostly in the Coronary & Carotid arteries?
I have seen it referenced in various ways, but not stated in that way, if one could verify that part then the concept that plaque is a positive action rather than a negative action would be a more likely scenario.