Test is going to affect your heart regardless of whether you do cardio or not. The primary cause for “ventricular” hypertrophy is pressure. The highest pressure your heart experiences is not during cardio but during whole body compounds like squats, deadlifts and even leg press. Some studies on the effects of
Test on ventricular hypertrophy have found the surprising result that even some guys who have never used
Test end up with ventricular hypertrophy comparable to those on
Test.
I would suggest you do the cardio, if not for fat loss, at least for your health.