I have to admit I was never really into tucking.
I never felt the need to do it. Sure, there was a little bulge, but I really don't think that people really notice. I got ma'amed all the time without tucking.
The only time I ever felt it necessary to tuck was for swimming. I would wear a bathing suit, tuck, and then put on a pair of cute swim shorts over top. This made everything look normal, and it worked just fine.
As for HRT and tucking. It did help with tucking. My testes atrophied and made them much easier to tuck. Since everything else atrophied as well, it made for going about non tucking just as easy. I didn't tuck cause it was uncomfortable. Now though, it doesn't matter. I'm 4 days post op. YAY!