I'm 32 and sometimes regret it.

I am not dialed in yet, so that probably has alot to do with it, I am still tired, depressed, and so on.

Having a good doctor is key, mine is only okay, but all I can afford now...

I worry about if I lose insurance and can't afford everything.. I wish you the best of luck in whatever you decide, but I don't think trt is the answer to everyones problems.