Very good question re needing HRT and osteopenia. I am in a similar boat. Been on hrt for a good 4 years but never felt great.
It all depends on symptoms i think. It you can live with them, don’t worry about taking HRT. If symptoms become unbearable, it might be better to take some form of HRT.
They say oestrogen protects heart and bones, but by how much, I don’t know.
To me, HRT is only good if you can get the balance and dose right. That in itself is challenge!
Im testing lenzetto spray today ( my final attempt at HRT) then I’m quitting.
Best of luck.
😀