I'm on the pills but I can confirm that my dreams are f#*&ing insane. The level of vividness in them is like nothing I've ever experienced pre-HRT. I've had a few rather nice dreams... but I've also had a few that have actively made me afraid to sleep.
The most recent one was a dream where I was back in college, and I couldn't find a bathroom I'd be comfortable in, and then some how I went to a mental asylum/prison and when I opened the door I let the 'insane' out and it infected everybody on the university campus, and then I started going insane... and it ended in Raiders of the Lost Ark kind of face melting...
Also had a few dreams about falling, or being stalked down the dark hall of my own house... those were fun, needless to say I had to turn on every light in the house afterwards before I could calm down >_>