Hi there welcome. Given your age, I think you would be foolish not to take HRT, you are doing yourself a huge injustice, your bones, heart and mental health need protecting, you will feel like a new person. I would strongly advise the bio identical HRT such as the Oestrogel followed by the Utrogestan, which is the progesterone side of the HRT, you will still get a monthly bleed and tick along as if you were 21 all over again, do not hesitate, at least until you are 50, you are only replacing what your body is no longer naturally making, all the best in your decision. x