I think you need to either find another GP OR go back and discuss the NICE guidelines. Your GP is incorrect on many fronts:
-FSH levels are checked in women under 45 but not over 45.
-SSRIs are not to be prescribed unless there is evidence of prior depression or current depression that is not hormone driven.
-HRT risk do not apply to women under 52 ( average age of menopause ) because it's replacement of what ought to be there.
- Osteoporosis is a higher risk in women who have irregular cycles (ie only a few a year) or whose oestrogen levels fall before the average age for menopause. HRT will help build bone regardless of whether you are still having cycles or not.
This is from NICE.. It will come out as broken lines due to copying/ pasting but you can see all the points I've made above in their guidelines.
1.2 Diagnosis of perimenopause and menopause
1.2.1 Diagnose the following without laboratory tests in otherwise healthy women aged over 45 years with menopausal symptoms:
perimenopause based on vasomotor symptoms and irregular periods
menopause in women who have not had a period for at least 12 months and are not using hormonal contraception
menopause based on symptoms in women without a uterus.
1.2.2 Take into account that it can be difficult to diagnose menopause in women who are taking hormonal treatments, for example for the treatment of heavy periods.
1.2.3 Do not use the following laboratory and imaging tests to diagnose perimenopause or menopause in women aged over 45 years:
anti-Müllerian hormone
inhibin A
inhibin B
oestradiol
antral follicle count
ovarian volume.
1.2.4 Do not use a serum follicle-stimulating hormone (FSH) test to diagnose menopause in women using combined oestrogen and progestogen contraception or high-dose progestogen.
1.2.5 Consider using a FSH test to diagnose menopause only:
in women aged 40 to 45 years with menopausal symptoms, including a change in their menstrual cycle
in women aged under 40 years in whom menopause is suspected (see also section 1.6).
1.3 Information and advice
1.3.1 Give information to menopausal women and their family members or carers (as appropriate) that includes:
an explanation of the stages of menopause
common symptoms (see recommendation 1.3.2) and diagnosis
lifestyle changes and interventions that could help general health and wellbeing
benefits and risks of treatments for menopausal symptoms
long-term health implications of menopause.
1.3.2 Explain to women that as well as a change in their menstrual cycle they may experience a variety of symptoms associated with menopause, including:
vasomotor symptoms (for example, hot flushes and sweats)
musculoskeletal symptoms (for example, joint and muscle pain)
effects on mood (for example, low mood)
urogenital symptoms (for example, vaginal dryness)
sexual difficulties (for example, low sexual desire).
1.3.3 Give information to menopausal women and their family members or carers (as appropriate) about the following types of treatment for menopausal symptoms:
hormonal, for example hormone replacement therapy (HRT)
non-hormonal, for example clonidine
non-pharmaceutical, for example cognitive behavioural therapy (CBT).
1.3.4 Give information on menopause in different ways to help encourage women to discuss their symptoms and needs.
1.3.5 Give information about contraception to women who are in the perimenopausal and postmenopausal phase. See guidance from the Faculty of Sexual & Reproductive Healthcare on contraception for women aged over 40 years.
1.3.6 Offer women who are likely to go through menopause as a result of medical or surgical treatment (including women with cancer, at high risk of hormone-sensitive cancer or having gynaecological surgery) support and:
information about menopause and fertility before they have their treatment
referral to a healthcare professional with expertise in menopause.
1.4 Managing short-term menopausal symptoms
The recommendations in this section are not intended for women with premature ovarian insufficiency (see recommendations 1.6.6 to 1.6.8 for management of premature ovarian insufficiency).
1.4.1 Adapt a woman's treatment as needed, based on her changing symptoms.
Vasomotor symptoms
1.4.2 Offer women HRT for vasomotor symptoms after discussing with them the short-term (up to 5 years) and longer-term benefits and risks. Offer a choice of preparations as follows:
oestrogen and progestogen to women with a uterus
oestrogen alone to women without a uterus.
1.4.3 Do not routinely offer selective serotonin reuptake inhibitors (SSRIs), serotonin and norepinephrine reuptake inhibitors (SNRIs) or clonidine as first-line treatment for vasomotor symptoms alone.
1.4.4 Explain to women that there is some evidence that isoflavones or black cohosh may relieve vasomotor symptoms. However, explain that:
multiple preparations are available and their safety is uncertain
different preparations may vary
interactions with other medicines have been reported.
Psychological symptoms
1.4.5 Consider HRT to alleviate low mood that arises as a result of the menopause.
1.4.6 Consider CBT to alleviate low mood or anxiety that arise as a result of the menopause.
1.4.7 Ensure that menopausal women and healthcare professionals involved in their care understand that there is no clear evidence for SSRIs or SNRIs to ease low mood in menopausal women who have not been diagnosed with depression (see the NICE guideline on depression in adults).