Thanks DG - No, its not me who is seeing a Gynae mid-November, but I appreciate your thoughts anyway. By storing up future health problems, I think I meant possible bladder problems, etc, but not presenting with these at the moment, thankfully.
My mind feels "clearer" without the HRT, tbh. I've been sleeping OK (so far!!). Think I may try and stick with the plan for longer and see how I get on. Thanks again.