Have you considered a mild beta blocker, that would help with the palpitations. As for HRT, take the gel it is bio identical, or the patch and the natural progesterone, you will be fine, try and banish these negative feelings from your mind, you will feel a different person once you have started with the oestrogen.... TBH, it sounds like you are or have developed a bit of a phobia, the oestrogen will help you for that as well and comibined with a beta blocker, a good, happy book @ bedtime, some nice warm milk and honey, you will soon be feeling like a new soul....
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dont make yourself ill over something that may never happen, your heart has been checked out, you are healthy, as my Dr once said to me..... your poor heart, it gets the blame for everything, he asked me if I had any idea what its like to really be suffering with heart problems, was rather humbling, but I know, panic attacks are horrendous, I found that when I went off the pill and onto pure oestrogen with added progesterone, not progestegin, it
helped tremendousely....
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Cerazette is a Progesterone only pill, your body is clearly craving Oestrogen, do not deprive yourself of this, see your meno Dr about this and give it a bash for a few months, you have nothing to lose and so much to benefit by it, you are way too young to be depriving your body of an essential hormone, have you had your E2 (Oestrogen) levels checked, you may be in for a surprise, sounds like your levels are very low, causing you all these awful symptoms...