After 42 years of high T I had zero hairs on my back, few hairs on my chest, no hair on my upper arms, and fairly light hair on my forearms. I wasn't able to grow a decent mustache or beard until I was around 40, and even then I had to use hair dye or much of it was too light to look good. So, T is only half the story. The other half is genetics.
It is better to be hated for what you are than to be loved for what you are not.
André Gide, Autumn Leaves