Big hug! You can expect love and support from us as you travel your path.

I do want to say, wiry people don't usually have much "good fat" AKA boobs and butt.
I'd put on some weight and see where it lands before I wrote off HRT.
If you stop taking hormones, you are going to need labs in the future to see if you
have a healthy level of either E or T. Those can wait until your body settles in and you
hopefully have insurance again.
Best wishes!
Hugs, Devlyn