I hope 32 isn't too late, because I started HRT/AA ten weeks ago, and I'm 35.
Even after just ten weeks on a low dose, my skin's less greasy and it's getting softer, my face appearance has changed a tiny amount (which surprised me since I thought it would take longer), and my boobs are most definitely growing. Overall, I feel better. The changes aren't huge, but they haven't stopped happening yet. I have no regrets so far, and hope it continues in the direction its going.