I was surprised at how hairy I got. I have been on T for about 6 months, my buddy about 2 years...and i' hairier than he is.
So it really just depends on your genes I suppose. As for hair growth downstairs, it was the first place I noticed more hair growth and I do have to 'groom' to keep things under control lol. It doesn't really bother me as I knew what I was getting myself into 😛