I'm also 42, and this is something that's been on my mind somewhat over the past few years.
Whilst we're lucky in the UK to have laws prohibiting discrimination against individuals on the basis of sexuality or gender identity, it's a sad fact that there are no retirement homes in the UK that cater specifically to LGBT people. So LGBT people going into homes today are just chucked in with the general population - which in itself shouldn't be an issue, but it does mean that the staff may not be sensitive to our needs.
As others have said, things may improve. By the time you & I are ready to retire, another 25 or so years will have passed, and it may be 30 or more years before we'll need a retirement home, if all goes well. Who knows how society may have evolved by then, with three decades of equality legislation under its belt?
As for T, most of the 22 patients at my GP's surgery who get Nebido injections are elderly; only a handful of us are under retirement age. Again, this is another area that may be subject to improvements over the next 30 years so there will probably be better T treatments by that time anyway. Just look at how things have improved over the last 30 years!
Bottom line: I wouldn't worry about it. I'm just going to suck it & see. And then in 30 years' time I'll probably retire to a gay-friendly, trans-friendly retirement home in Brighton, because they're bound to exist by then.