My sense of smell is enhanced at 5-6 months. I remember at like 3 months on E I walked into my friend's bedroom and

wow his room is

I tried telling him he smells gross, in those very words, but that didn't go over so well.
And yes, it's changed my own scent all over. Not completely, but I haven't been on HRT too long yet.
Cost is variable based on what exactly you are prescribed and what your coverage is. Estradiol in pill form (generic) is really cheap as far as medication goes, a 90 day supply still costs me less than my 30 day copay. Spiro is kinda expensive, at least the dose I'm on, but my insurance picks that one up no problem. But I'm also on a transdermal spray which my insurance only partially covers, as far as I can tell. The retail cost is somewhere around $90 per bottle, the pharmacy charged me $60, my copay is supposed to be $25 for non-generics...So I'm not even sure how much it should really cost. When I told the endo how much it was costing me he left the room and came back with 4 months worth for me - I like him

My insurance policy has a "transsexual exclusion" clause, for what it's worth...so far the endo, blood work, & therapist hasn't been an issue though. I'm keeping my fingers crossed.