HRT did more for me than SRS. Does that mean SRS is overrated? of course not. It is all part of the complete package. Without HRT my skin would look grey and rough. HRT gave me glowing baby-like skin, and more fat under my skin smoothing the roughness in my face. But, your mileage may vary indeed. HRT gave me a full B cup. HRT gave me peace of mind. Is that overrated? I think not. It was essential, even more than SRS.