Andris -
I learned after having my levels tested this is not necessarily true. I've always assumed this since my hair was really thick & greasy and I had pretty acenic skin compared to most females -also a pretty high libido and masculine demeanor. I also had the period from hell for 6-8 days out of every month. If I did not take a pain killer during the first 2-3 days of my cycle, I would feel feverish and have such a insufferable stomach cramps that I felt as if I did not press something up against that area I would vomit. My flow was also extremely heavy. All this said, it does not mean your levels are necessarily like mine, but I found that my T levels were on the low part of "average" for a female, both loose and total - meaning that this had very little to do with the amount of testosterone my body was producing.
The way you are now could be more hereditary than reflective of your testosterone levels - however, this is not a bad thing if you plan to start and are worried about bad period cramps. You do sound similar to me and I have not had my period once since starting HRT. I don't know if having less T in your body somehow makes your body more responsive and receptive to the injections since your body has to adapt to a more drastic adjustment of hormone levels, or I'm just lucky. It could be different for anyone regardless of thier levels, because I have not done much research into this kind of correlation.
So, yeah.
:]