Thank you, peegeetip
The HRT chart is helpful, I do want to understand my options better.
I did talk to my mom today and she confirmed that she felt lucky to have sailed through menopause fairly easily. For a short time while she felt some depression and anxiety she used St. John's Wort, suggested by the doctor she went to after the first one told her she had to take HRT or go elsewhere. Her hot flashes were tolerable too. Interestingly she mentioned the same thing GypsyRoseLee says about aging, that her only regret about not taking HRT was how fast her skin thinned and she got more old-looking. She did consider the compounding pharmacy bio-identical hormones (actress Suzanne Somers wrote a book and was always on television talking about it) but her insurance didn't cover it.
I talked to my friend today too. She's 49 and hasn't had a period for 6 months. A blood test confirmed she's in menopause, but she said for the 5 years or so that she felt perimenopause symptoms she was never offered HRT by her doctor. Completely opposite from the doctor my mom had 15-20 years ago. My friend was offered anxiety medication, however, and she chose to take it because she felt the anxiety was interfering with her teaching job.
Silverlady, my mother-in-law had a hysterectomy in her 40's and took Premarin for decades. I don't think she went off of it until she was diagnosed with Alzheimer's in her late 70's.
Hurdity, the NHS seems like a wonderful system, I would be grateful to have it too. My daughter takes epilepsy medication and I'm amazed to think that it would be free if we lived in the UK.