Just a few comments on your lastest post.
I don't have great cardio history
Depends a lot on what you mean. Your own or in your extended family?
I know my bone density is slightly below normal already
How do you know? have you had a DEXA scan? If so, how low is it? What has been suggested as treatment/ improvement/ prevention? If nothing, why not? This is a serious issue.
but I've a much worse family cancer history so that definitely plays on my mind
Family history of cancer is not relevant. The only relevance is if you have a mother and a sister who had breast cancer at a young age (before middle age.) No other cancers count.
. And I've such a poor experience of contraceptive hormones that I'm instinctively disinclined towards doing anything with hormones.
The hormones in HRT are completely different to the Pill etc.
The Pill etc uses artificial hormones in huge doses. HRT is body-identical which means it is exactly the same as your own hormones.
But I'd like to be making decisions based on facts rather than instinctive distrust of messing with my hormones (which are of course already being messed about)
You are not 'messing' with your hormones, you are replacing - with a tiny dose- some of what you lose at menopause.