Welcome to MM.
As CLKD rightly points out, breast cancer risk is minimal so don't worry about that. The studies responsible for HRT scaremongering have been completely discredited now. I do hope that you are not one of the millions of women who were scared off taking HRT on the back of those misleading and destructive studies.
I am not sure of the exact regime Carol Volderman is referring to but it sounds similar to the transdermal, bio identical regime that I am on which used by many other MM members, namely 2 pumps of Oestrogel everyday, testosterone everyday (optional) and Utrogestan (progesterone) capsules used vaginally for a few days each month - I am on a very low dose due to severe progesterone intolerance.
How do you tolerate progesterone? You mentioned breast pain which suggests you are using a combination patch at the moment. Synthetic progesterone always gives me breast pain but interestingly, I never have breast pain while using Utrogestan vaginally.
I am not sure what CV means by the cream, perhaps it is some sort of progesterone cream?
I didn't get on with patches either and much prefer the gel. It is easy to use, dries in about 1 minute and it is very flexible i.e. you can adjust the dose quickly and easily to suit your needs. I think you will find it works much better than the patches which you say keep falling off when you go swimming. I didn't like wearing a patch either but that is a personal thing.
You should be able to get Oestrogel/testosterone/Utrogestan regime from the NHS if you ask for it directly and push the point by showing them the new NICE guidelines. If all else fails, you could consult a private specialist and ask them to write to your doctor recommending this regime and then you could get it prescribed via the NHS thereafter.
I hope that helps.