Hi, Joanne.
I am another member of the over-60 club.
When people have been on HRT for a while, some report menopause symptoms when stopping, such as hot & cold flashes. They may be uncomfortable, but are not serious. But yes, if you choose to stop, there is no big issue health-wise. Depending on how long you were on it, there may be some permanent effects. Breasts would need to be surgically removed, for example, and sterility may be irreversible.
A common "gotcha" is that people feel good on HRT. Their dysphoria is gone, they think they are cured, and so they stop. But HRT is a treatment, not a cure, and the dysphoria comes back. It sometimes takes people a few cycles to realize that they need it to keep the dysphoria gone.
Talk to your doctor and/or therapist about the effects of starting HRT and stopping it.