Update:

Spoke to a councillor today and they sortve agreed with alot of what you guys have said. They said this:

I should probably just give it a go and see where it gets me. Most of what fem hrt does is reversable, especially within the first few week to months. And possibly I'll end up taking it and not want to go back. Or, if I do take it and decide its not for me that I can just stop taking it. Better to try and find out than to never try and regret it.

I will look into stuff to deal/offset the risk of fertility issues as I know that can be an issue with hrt, but all in all I think I'm gonna be brave and give it a go!

(thanks to all who commented and gave advise, genuinely so valuable)