I started on gel and switched to injections. When I originally went in, the price of gel was super low. It cost me about $30 for a 3 month supply of Testim. Great, great deal. Unfortunately by the next quarter when I went back for follow up labs and an appointment to discuss dosing with my doctor, the price had gone up to around $600 for the same amount of gel. I had a huge needle phobia, but switched immediately to injections because there was no way I could afford even one month's worth of gel at that price point.
I believe cream does have a lower rate of transfer in instances of skin contact than gel, but it is something I probably wouldn't mess around with. No skin on skin contact, no sharing of towels, no letting any women in your life wear your shirts, etc. It's good practice, even if it isn't entirely necessary because you never know. I did contact a compounding pharmacy about the price of a cream or gel, but it was actually around the same price at the time. Not sure if it's improved since.
Speaking from experience, topical T was a pain. When I switched to injections, even though I had this huge needle fear, I was super stoked to just be able to do a shot and then forget about it for another week. With the topicals, I had to re-do my whole morning routine to make sure that I was showering before applying (to maximize absorption), and then not doing anything that would be sweat inducing for at least 2 hours after the fact.
It was doable, and I do think it helped to get me into a routine. I'd never had to take any kind of medication on a schedule before so it definitely got me in the right frame of mind to start off. But after that initial period, I'm so glad I switched to injections just from a convenience standpoint.
From a medical standpoint, I felt no different on gel or injections. My T levels have stayed very stable on both, and the only side effect I've experienced (acne) was present with both delivery methods. I haven't seen any medical studies that would support the idea that one is more effective than the other.