Hi Lynda,
Sorry to hear about your experience.
I'm just over 2 years postmeno (last period was in January 2020), and I'm really hoping that things will settle down. I'm quite surprised that after all this time you're still struggling. Yes, once oestrogen has reached it's lowest level it stays permanently low and there's hardly any fluctuation going on. A lot of ladies on this forum may beg to differ but, although the menopause is irreversible and permanent, its symptoms, especially the psychological ones, cannot possibly last forever and ever.
As for HRT, I, too, am not on iit. I started taking a supplement called Femarelle Recharge to help with low mood and anxiety, my most troublesome symptoms.
This product promotes nornal psychological and cognitive functions. It's supposed to be very good. Maybe you should try it and see if it works for you if you're reluctant to go on HRT.