Hello I'm 55 and still technically in peri. I feel for you lovely, I have health anxiety too but try and manage it with CBT (cognitive behavioural therapy) techniques that I learned years ago. Its not easy, and menopause makes mental health so much worse.
With regard to your spotting, my last full proper bleed (although light) was August, then a bit of spotting in October and a bit more just a couple of days ago (although I've been started on Evorel conte). Previous to this though I suffered very erratic periods for a few years, some extremely heavy, some very light, some not there at all. I too have had weird spotting which scared me - sometimes just like a brown discharge, some light red. I would definitely recommend seeing your GP, not because I think its anything bad because you sound just like me, but because it will put your mind at rest. I was put on one of those worrying two week referral things which had me convinced I had something terrible but everything was ok. (Since been told the 2 week referral thing is simply a way of getting cases which *could* be something pushed through the system quicker, just in case. The majority of referrals turn out to be fine). Also - with regard to spotting, have you ever been told you have cervical ectropion? This is something I have, its extra tissue that grows on the outside of the cervix which is harmless but could cause spotting. I know its not easy, but please try not to worry x