but I can’t figure out whether for women like me, whether I should be demanding hrt. It would be purely because I’m 50, rather than any signs or symptoms of menopause yet.
You clearly don't need it. Yet- at any rate. You may not feel so good in 5 years - who knows?! Lots of women aren't post menopause till 53-55.
I think the whole Davina thing has overblown the issues in some ways.
On the one hand, only around 15% women use HRT. Clearly, when 75% have symptoms- some severe- more ought to think about using it especially if they are struggling to work full time or in demanding jobs.
The basis of the NICE guidance is to make it individual. (This is in the guidance.)
The first step is to use lifestyle measures- diet especially, exercise, stress-reduction, and getting as fit as possible.
If this doesn't help, then HRT is an option.
There's also the issue of family history and predisposition to illnesses in old age.
So someone with only minor meno symptoms might have a high risk of osteoporosis (family history, small frame, normal low weight, history of some medications, etc.)
Or the same for early heart disease (family history.)
A good dr will look at your whole health and how HRT may be used not just for meno symptoms but also to reduce risk of long term illness.