Do you know there is a HRT forum too. 6 years ago we had this same discussion, may be you can look it up.
I always liked HRT and did well, but went off in 2003 since I wanted to be off all medication.
The only bad thing is that now I have a thickened endometrium and they say it is because of the HRT. It does not bother me but when you go for an ultrasound they say it can be pre-cancerous. My MD is not worried.