What colour is your natural hair? I ask because obviously most guys with lighter-coloured hair will not get the same noticeably dark hairs on the backs of their hands, etc. as guys with darker hair or Mediterranean heritage, etc.
I can attest to the fact that at 6 months on T, I was exactly the same as you. The only places my hair was darker and noticeable was on my belly and my face.
Now at nearly 2 years, I have darker hair on my arms and legs, pretty furry belly and facial hair that is now creeping up my cheeks and that has become wiry and thick. I still have zero chest hair - as in nil. I have a few stray black hairs on my shoulders, but none on my back. As with facial hair growth, all body hair can take 5 or more years to fully come in, so you are still in baby stages.