FWIW, I inquired from an IPL place that was offering a Groupon, and they quoted me a cheaper price without Groupon -- $300 for 6 sessions full face and neck, which would be spread out 6 weeks apart, to get pretty complete removal. So that's the kind of $$$ you're looking at. Acknowledged, IPL may not be as permanent as true Laser, but it gets you a long way down the road.
I agree with those who prioritize HRT first -- those changes are permanent and at your age you may be able to short circuit some of them.