Ruthiebell, whilst I'm all for women making their own decisions about whether to take HRT, that should be an *informed* decision - and there are a few errors or common misunderstandings behind a few things you say....
Firstly, women on a forum like this do not represent the average woman on HRT. Women on a forum like this are self-selecting as complex cases frequently needing more help, advice and guidance than the average. The average woman goes on HRT, feels dramatically better, has her menopause symptoms fixed and experiences a reduced risk of many diseases associated with aging. She does not need to seek out help on an online forum like this. So what you are reading, here, and the people whose experiences and accounts you are coming across, are not representative of most women on HRT and should not really be used to help you decide whether to take it or not.
Secondly, like bombshell says, anxiety is an extremely extremely common symptom of low sex hormones. You can google or ChatGPT that for yourself.
Thirdly, you say on the one hand you've had an MOT and have a full bill or health, then on the other hand say that you're experiencing night sweats and palpitations and frozen shoulder - and more besides. I'm not sure how those 2 statements tally. Because those are not negligible issues. Night sweats alone are linked to a higher risk of dementia, in later life. Palpitations are happening because your heart needs estrogen and without it, you are at greater risk of cardiovascular disease. These are communications from your body which you can heed... They are not things to weather and get through, because they are the first warning signs of risk factors.
Fourthly, you make assumptions which are incorrect when you say that you take the mini pill " but the progesterone in this is only 75 micrograms as opposed to 100mg in the pill as part of the treatment". I'm not sure what you mean by 'the pill, as part of the treatment' but am guessing you mean the 100mg utrogestan progesterone for HRT...? You do realise you can't compare the synthetic progestin of 75mcg with 100mg of body identical natural progesterone?? I mean, I could say to you 'I only took 1mg of cyanide as compared to 500mg of sodium' and I think you'd get the point.
A progestin is a synthetic hormone which your body has never produced and which increases your risk of breast cancer, stops your own ovarian function and suppresses your own progesterone and testosterone and estradiol as a result - and may well be responsible for the low mood you are currently feeling, since research shows that progestins cause low mood and depression - and the other is a hormone your body has produced naturally every time you've ovulated and which strengthens your bones and improves your own immune function... and which your own body has naturally produced the equivalent of probably 1000mgs of during each menstrual cycle. (I currently take 600mg of utrogestan/day for example.) Arguably more progesterone is better for many women - not worse.
Fifthly, when women can't take HRT, they tend to make it A Very Good Thing or Just As Well, that they can't. Cognitive dissonance is a bummer. Not many people can hack it, so they resolve it by I Don't Care Anyway, It's Better Like This - or any other number of psychological approaches to resolution. That doesn't mean you should base your decision on their accounts. Think of where they are coming from...
As for my own experience, without HRT I had severe joint pain, migraines, zero libido, vaginal atrophy, incontinence, inner tremors through the night, palpitations, hypnic jerks as I began to fall asleep, insomnia, night sweats - I could go on. Almost all of this has totally gone and I've got my life back. You are not going to come to a forum like this and read multiple accounts of people saying how lovely everything is, because people tend to join when they have a problem...
You might want to read the website Balance-Menopause.com or listen to Dr Louise Newson's podcast to learn more so you can make an informed decision about whether to increase your risk of many diseases by not taking HRT. This is not just about symptom resolution.
PS Sorry, one more point... Many women have not been on the right type and dose of HRT for them and due to the ignorance of their doctors, they just give up... They don't realise that if they persevered and got the right balance of hormones and dose and type, things could have been great.