Bluebirdie, those thoughts are outdated approaches to HRT and I hope you've done your research into the latest thinking on it. You might like to check out the book called Estrogen Matters by Bluming, available on Amazon.
There are actually almost zero risks IMO to continuing HRT. The only definite risk is that of endometrial cancer if you don't take enough progesterone, but seeing you will typically get unscheduled bleeding a very long time before that happens, you will have sufficient warning. There are not really any other risks to it. The risk of breast cancer is negligible and estrogen was actually found to be protective against breast cancer in several studies. I'm not sure what other risks there are you can be talking about?
On the other hand, stopping HRT will increase your risk of heart disease (which is the number one killer of all women), dementia (number 2 killer), osteoporosis (which leads to fractures and ends quality of life and independence), bowel cancer, arthritis and joint disease, insulin resistance and metabolic disorders, high cholesterol - and much more besides. It's a no-brainer.
As for the "at some point I will need to stop it...". Er, why? Why exactly do you think you will need to ever stop HRT? The current thinking is women should be allowed to remain on it until they die. There is no reason to stop, although dosages may need to be adjusted as we age. I plan to remain on it all my life and I also plan to live to at least 95....

HRT isn't a "medication", meaning an artificial drug - it is the provision of your natural hormones. Just as if you were deficient in thyroid hormones, you would take T4 and maybe T3 as well - all your life. With no expectation you would stop it. Because you're not going to suddenly start making thyroid hormone again. Same goes for sex hormones.
There is nothing more natural than death and disease.