Respectfully, @DrJoanAllenby this thread is about someone with premature menopause at 38, not the average age of 51.
POI is classed as a disease. If you want to investigate the condition, you will find plenty on the web including the link I left from Menopause Matters (medical site.)
There's little point suggesting the OP doesn't use HRT, tries herbs, exercises etc as the medical advice is HRT - because although exercise and a good diet helps, it is simply not enough for women with POI.
Sadly, the boat might have already sailed for the OP to give heart protection, as HRT needs to be started within 10 years of the last period.
Also, no one can say they are 'fine' unless they have had a DEXA scan.
The impact of premature menopause may not happen for 10 years or more and then women find they have vertebral fractures, are in severe pain , and need to take drugs with unpleasant side effects (I know someone going through exactly this and it's no picnic.)
@hapus2023 I hope your GP does the right thing, but can't get my hear round they are suggesting herbs when you say you've no symptoms.
Why?