It feels like I managed so long without it that if I end up taking it I will wonder why I didn't do so from the start. I suppose I don't want to accept I may have suffered for no reason.
This is one of the silliest things I've ever read about menopause and HRT. OP, for goodness sake, why continue to suffer, possibly for years, just because you've struggled on so far? That makes zero sense.
Only you can decide if the symptoms are bad enough to warrant starting HRT, but I can tell you this - there are no medals for suffering through menopause without it. And HRT doesn't just stop night sweats, hot flushes, poor insomnia, etc, etc, it also prevents you getting osteoporosis and it helps to protect your heart.
Please at least go and talk to your GP, practice nurse or Well Woman Clinic about your symptoms, but unless there is a health reason for not taking HRT (such as a hormone-driven cancer in a close female relative), I don't understand women who are opposed to taking HRT. It can help you, it can drastically improve your quality of life and it's the same stuff that your body produced naturally until recently. Modern HRT is often derived from yams! It's not a nasty drug that you really don't want to be on - quite the opposite.