It would be interesting to hear the hormone regimen of those who have commented.

I experienced a profound change in my memory functions, but it has not been detrimental to my studies or profession. Let me explain.

BEFORE:
Growing up I inherited very high natural T levels. Working my way through school, including an ivy league college career, learning foreign languages, and embarking on a technical career, I strengthened with practice and discipline the memory faculties that are enhanced by T. I navigated by studying a map and imprinting the image in my mind; I could take wrong turns but never get lost. I pictured complex organic molecules as 3 dimensional wholes floating and rotating in space. I knew where I put my keys and my car because I carried a spatial model of the house or carpark in my head and could reach in my mind to the spot where I put the image of the object, corresponding to its location in real life.
To prepare for tests I would create structured lists and crib notes, then photographically memorize them, working repeatedly through the list so key words in the image would connect to rote or semirote explanations unfolding in multiple dimensions.
I constructed memory palaces to hold complex bodies of knowledge and walked the halls, adding to my collections.
I would make lists of key info about each friend and acquaintance and memorize it spatially.

AFTER: Initial regime, and two subsequent dosage increases, I had to adjust my techniques to the subtle but profound shift in my faculties. Long term was all there but how I make new memories changed. I started losing items, losing myself, and losing information that I used my old habitual methods to store for recall. I realized that what made memories stay or melt away now was not the clarity of the image in space, but the connections to other things and people, the relationships as you will, and the emotions and stories attached to them. Associate a feeling, emotional and sensual, and it stays for recall. Put it in an emotionally meaningful narrative and complex knowledge is retained amazingly well. I navigate now by landmarks and memories of my experiences (real or imagined) associated with the landmarks and route. I remember stuff about people by the emotions and smells and touch and color and taste and sound and feelings and conversations involved. Concepts are less abstract floating free and now woven into tight webs of meaning and association. I remember what I was feeling when I set the keys down and I immediately recall where I set them and the things I was saying doing and feeling at the moment.

After relearning how I learn, I am much more capable with school and professional. I keep a lot of the trivia I crammed in my head before, in external memory systems, the knowledge equivelent if a woman's purse.

personally, I haven't had any memory lose or gain since starting HRT but I did only start a few days ago. I have noticed changes in the way I think such as thinking a little more rationally, using logic instead of desperation, and being a little more moody.

My meds went from sublingual to oral and my short term memory is (temporarily) shot.

Oh well.  lol

I've had no loss or gain in memory since HRT. I do seem to multitask and list better while doing other things.

I am like Carrie Liz;
My short term memory has definitely been affected since I have been on HRT. Thsats said I can now do myultiple tasks and my  creastivemess already  good has gone up a notch.
Just yesterday I was packing up some stuff in a Bournemouth Hotel where I was staying. I had got dressed, put my make up on and gone down for breakfast - lots of nice people said good morning madam.  I was wearing a turquoise  top, black mini skirt, block sheer stockings and black flat shoes feeling very relaxed. I had a nice breakfast, felt great and then went to the ladies, had a... then powdered my nose and put on some fresh lipstick and mascara, went back up to my room grabbed my bags to check out then thought.......Gripes where are my car keys!!

It took retracing my steps and pulling all my unpacking out of the cases, before I found it at the bottom of my make up bag. I then remembered taking it out in the ladies loo thinking I should move the car nearer to the Hotel entrance. In my haste to redo my lipstick, I must have dropped it into my make up bag and put that into my purse.

Duh!!

I used to be a very one dimensional thinker - I would focus in extreme detail on an issue to the exclusion of anything else going on around me, finish that issue, and then move on to the next issue. One of my main problem solving abilities was to model things in my mind in 3d and spin them around and examine them from all sides. I work as a software engineer so both of these abilities were extremely handy.

Now? Pretty much every morning when I get to work it's "what did I forget this morning?" I forget to take my meds, I leave my lunch packed up and sitting on the counter in the house, I forget my access card to get into the building, and so on. I have adult ADD so that's part of it, but it has taken on a new dimension since HRT.

With the increased forgetfulness comes the ability to think of many other things at the same time - I can multitask now. I forget the little daily things but I remember the important stuff. My ability to focus and exclude everything else and model in 3d in my head really doesn't work anymore, but I seem to have developed other ways to think about problems and solve them.

I also catch myself "drifting away" far more than I used to (ADD) which is a very dangerous thing to do when I'm driving.

As for memory loss, no.  I am able to recall almost anything if I take the time to go through the world in my mind, however this can take time.  But when I did start HRT I did notice that my higher logical skills seemed to lapse and I had a hard time concentrating on tasks (would drift off or stare at something knowing what it was but not knowing what it was at the exact same time).  This lapse started about a month in and left in about another 30-45 days.  I would now say that I am back to where I was before in regards to mental acuity, but my communication has gone from strongly robotic and a lot more emotive.

Oh, and I've started dropping stuff more.  One of my female friends thought that females tend to grip things with less force than males and so they tend to drop things more.