You probably need more, not less.
This is what happens when the population gets brain-washed by the BMS to think that 100mcg is 'high' dose. It's not, and you don't know how much you are absorbing of it either. (I'm assuming it was tested with your recent bloods? What was the result?)
At 52, your own hormones are now failing and you are becoming increasingly dependent on HRT. As a result you likely need more E, not less.
Gaining weight around the belly is a classic sign of low estrogen, that's why it's called 'menopause belly'. Fatigue, anxiety, UTIs - all this is classic low E. Are you on local estrogen as well? (Vagifem pessaries, Ovestin cream?) That would help prevent the UTIs. Many women need both local E and systemic HRT. You should be able to get local estrogen on the NHS easily, alongside your 100mcg patches.
You may well need to go to a private clinic to get prescribed a dose which is above 100mcg because GPs are reluctant to prescribe above the licensed dose.
Please don't be afraid of higher estrogen levels if you need them. Personally, I'm on 6 pumps of gel and 200mcg patches - and sleeping better than ever, although still not perfectly.
You don't need ever to reduce or stop your HRT. You can remain on it until you die. I fully intend to!