Please don't take this as medical advice - I am simply stating what I would do, given that osteoporosis is the concern.
Both my parents have osteoporosis and it has destroyed my dad's quality of life since his spine crumbled. He is immobile and on high dose opiates.
It is not a benign disease and has no good treatment. Osteoporotic hip fractures have a one year mortality rate of about 30 percent.
Contrast this with the absolute worst scare story you have heard about estrogen and think whether you would rather be slightly overtreated, for a month, or remain under treated.
I would take the 3 pumps.