Hi Loubylou
I was lucky, I had my two children before the POF. You need to get some professional advice about whether you are able to have children.
I am not on systemic HRT any more (I'm 62 now) but I use local oestrogen to help with urogenital atrophy.
I haven't had too much bone loss and I get complements about how young I look for my age. HRT will protect your heart, bones, skin etc.
I used HRT for roughly 25 years. I did take myself off HRT aged 49, for 3 years, because of all the stupid scares regarding HRT and I really struggled through that time - my lost years. I then had a Mirena fitted and had Oestrogel alongside and that regime got me through another 4 years. I then tried the gel with Utrogestan and this really didn't suit me.
My suggestion for you would be to try Provera (medroxyprogesterone) on a sequential regime instead of Utrogestan, as many women seem to do better on that. It is better to put up with monthly bleeds and avoid using any progesterone continuously because of the negative side effects of progesterone.
As emerald2017 has suggested, Femoston may be a good option for you at this stage, so maybe try that next.
Do start your own thread so others can offer support - POF is more common than many people think. Keep us posted.
DG x