I couldn't decide either, but I got so desperate I had to try something. Low dose HRT felt amazing. Due to family pressure and feeling normal I stopped after a while, then I felt even worse than when I started. I couldn't take that for long and started again, then stopped, started, stopped, etc.
I discovered that I need HRT, and I've been on it for years. I know if for sure, in a way that no amount of thinking could tell me.
I eventuality got very depressed and had to increase it to a full transitioning dose a couple of years ago, which again "cured" me. I've still not socially transitioned, so the jury is out on that one.