No, you should not include anavar. If your goal is to reduce fat, you should include a PPA receptor agonist. I have tried SR9009 and Cardarine. I def enjoyed the SR9009 best. And it would do awesome things for you at the mud run. Mice on sr9009 ran 40% longer without training compared to mice who were allowed to train.
It even lowered my heartbeat at rest with 20 beats without cardiotraining in 4 weeks. Show me a recept medicin from a doctor which can do the same....

If you have worries about estrogen and ai, google the best foodtypes that naturally lowers estrogen and include them in your diett. They are superhealthy aswell.

HCG i def think you can skip it. At your level. I have never used hcg, i have run maybe 30 cycles, and im fine. Lee Priest never ever run hcg or pct.
I guess recovery and sex will be better if you use it on cycle, but its not the most important thing. Clomid is the most important thing when it comes to recovery. And if you added mk677 to beat cortisol etc for sure you would be fine...without hcg.
Again, hcg on cycle is the best choice, but its NOT the most important thing.