I don't disagree at all. Desperation can drive people to do just about anything. I self-medicated for 9 months before I started seeing my doctor, and ended up with a brain tumor scare. Luckily nothing ended up being wrong, but the wait while my hormones reverted to pre-hrt levels was sobering and scary. I spent over a year researching HRT and thought I was taking proper precautions. I even quit smoking three months before starting HRT.
I don't believe in "fear mongering" as you put it, and I definitely don't look at myself as an authority on anything. I can only speak about my own personal experience and hope to add something to a conversation. However I do believe in people being aware of all possible outcomes and understanding the risks involved. If sharing my experiences with someone helps them out, great. I won't ever try to force my beliefs, interests, way of life, etc on anyone.
Funny thing, I found I am paying less by seeing my Doctor on my own without insurance than I was when I had insurance.