I doubt that two endocrinologists would agree on what day of the week it was, never mind the best HRT protocol. I was started on E alone, the theory being that it boosts sex hormone binding globulin (SHBG) which mops up T and gives an idea of what level of AA to start you on.
My T level dropped to <1 on E alone so AA wasn't required, I eventually went on spiro to modify hair growth cycle, which has worked dramatically for me.
I would have faith in your endo, I certainly trust mine and she treats me and all of her patients with care so that they get the treatment benefit in a safe way.
Many many if not all TG people will push their endos to increase levels etc for perceived benefit. A good endo wants to keep you healthy at the same time!