There was the very same question posted a few weeks back and the posts just flooded in!
HRT is not licensed for prevention. Having said that, there are very eminent consultants in the UK (Chair of the International Menopause Society- I can link to an interview with one if that helps) who said he is happy to offer HRT to symptom-free women who want to use it for long term health.)
The simple answer is you need to consider your family history and also perhaps invest in some (private) scans to make an informed decision.
Obviously, by the time you discover it may have helped, (with hindsight) that ship will have sailed.
Your bone health is the most relevant. A DEXA scan will show how your bones are now. If you have bone loss, you may want to think about HRT for prevention and further progression to osteoporosis. Unless you have risk factors, the NHS won't provide, but you can pay for one.
Likewise, if there is a strong history of heart disease in your family, AND you had meno symptoms, that would be a reason to consider HRT.
If you are anti medication, do you use antibiotics, everyday pain killers or have vaccinations?
HRT is not a medication as such. It's a REPLACEMENT (as in the name) and replaces normal hormones with identical hormones (unlike the Pill.)