About hrt, just look at the women of your family, if most are naturally hairy then odds are you will be too but naturally hairy on E vs T are way different. I'm still pretty hairy body wise but its gone down a lot over the years and I'm still seeing changes far into hrt. It's nowhere near as dense as it was prehrt. If you can't afford laser, opt for waxing the body hair. In my experience it does permanently alter how it grows out once you're on hrt of course.