Think you are confusing free testosterone and free testosterone %, its 2 different values.
Although in my book knowledge is always good, you dont really need it, you have your symptoms.
Would you accept going to a doctor with a broken hand and him saying you were fine, no treatment needed, while you were full of pain???
Why is it any different with hypogonadism? If you are not alright, and have symptoms you need to tell the doctor you need help. The doctor is not there to treat the bloodwork, he is there to treat the symptoms. Personally, if a doctor would tell me I was fine with less than 200ng/dL and that he wouldn't give me any treatment I would clearly say I would not pay for the consult. If it was a clinic/hospital would fill written complain referring doctor was denying me treatment.
Of course, that ultimately one should not need to go through such endeavours...
Edit: Argument->Doc, I feel like tired all the time, my libido is very low which is creating conflict with my wife and sometimes can't even get it up.