@Sarcelle
No doctor (especially a GP with limited training in menopause) is going to give you HRT as a prophylactic (ie to prevent possible diseases later) UNLESS you are having an early or premature menopause. You can't just rock up and ask for it 'to prevent possible heart disease and osteoporosis'.
There are even GPs who refuse HRT for women suffering with mood swings, anxiety etc but don't have flushes.
I was one of those women who got to 53 ish, still having more or less regular periods, a few mood swings (mainly a short fuse but then I did have 2 teens at home) and was absolutely sure I'd never need or touch HRT.
But, once my periods started to stop over the next 6 months, I had hourly flushes, insomnia and also found out (through a private bone scan) that I had osteopenia.
I couldn't cope with lack of sleep and the flushes at work. I am still working now.
I saw a menopause specialist and decided to try HRT. I've now been on it for around 10 years. I feel fine, I'm on the safest sort. I feel great most of the time and a lot younger than my age compared to other women of the same age.
I don't regard it as 'medication' because it's completely natural hormones I'm using so I think of it as supplementation.
I am the only one of all my close girlfriends who use HRT. They didn't have many meno symptoms. However, many of then have aches and pains, some can't shift the weight, sleep badly, have low mood etc.
I don't know of anyone who uses HRT if they don't really 'need it'. There are small risks, but there are also risks of not using it, for some women. For me, it was a no-brainer.
But it all comes down to your personal medical history and lifestyle, like whether you work or not into your 50s and 60s.