My perspective on the risks associated with HRT are that I'd much rather have 10 good years on HRT than 20 shit years without it. And it wasn't just me that went through shit until I got my HRT sorted - my dh and our children also suffered.
I have so far had 14 good years on HRT and they will prize it from my cold dead hands.
The risks associated with HRT are tiny. Yes, the risk of developing breast cancer may almost double after 10y on HRT, but, unless you already have risk factors such as a family history of breast cancer, that is a an increase from of 27 cases per 1000 women not using HRT to 41 cases per 1000 women using HRT. (www.medicines.org.uk/emc/files/pil.353.pdf p4). A tiny, tiny proportion of women using HRT - less than half a percent.
I would think that, as you are always struggling with the effects of menopause, your risks of a car crash from tiredness, or inability to hold down a job from brain fog, or severe family disruption from mood swings and anxiety, are much, much higher than your risk of illness from HRT.
Not forgetting the risks of osteoporosis and the severe discomfort of vaginal atrophy and thinning skin that are associated with not taking HRT.
Give HRT at least a year's trial. Along with self-care such as good diet, multivitamins, exercise, and me-time, whether that's spa/book/hobby.