Morning. Make a list of your symptoms and see your GP. If necessary book a double slot. Probably phone calls rather than face2face ? but you should be offered a full blood count to check for VitD levels, anaemia etc. and if your GP is up to date, advice about HRT.
What worries you about taking HRT? Quality of Life is so important and it doesn't have to be for ever, though some ladies, finding that they feel well, continue into their late 70s with it.