noheroics, sort of like yourself, I feel HRT really did nothing for me. Like you have mentioned, I did not have classic meno symptoms, or really much of any symptoms. I think my estrogen dropped very gradually over time and as such, my body adjusted to it.
I mostly used HRT for bone health and to stave off any symptoms (I read too many menopause horror stories which I should not have done
). I've gone off it now (age 52) - been off it for months and feel no different. HRT is not for everyone. I don't necessarily think increasing the dose is always the answer. I tried that (earlier in my HRT use) and it created more problems for me than solutions. You need to follow what your gut is telling you. If you are not comfortable with doing something, then it probably won't feel right to you anyway.
As others have mentioned, I agree that for some, perhaps increasing dosage or trying different formulations is worthwhile. It's a personal decision/choice. If you are a dedicated exerciser, you are doing a lot to protect your bone health already
, even if estrogen is a better source for protection. Such personal decisions these are! I just wanted to mention that I feel similarly to you in the way HRT did not really 'work' for me. I wish you the best in whatever you decide - health and happiness.