I have been on HRT for almost a year. I am 57...56 when I started...got 12 years on you. Every one is different but for comparison, when I was your age I was a typical exec flying a desk...client lunches and dinners. I had a strong libido and I was in no way near the shape you are.
I started falling off a bit at about 52~53..picked up more body fat over the next few years.By 54~55...I really didn't give a shit...about anything. I didn't know WTF until I started seeing other guys my age looking more like I do now...that's when I got off my ass and got after it.
By comparison to me...I don't think you need it. Don't let it prey on your mind...just keep doing what you are doing and know that you are blessed with the abilities that you have now...enjoy it.
Believe me...you will know when it's time. Just know in the back of your mind that 10 years down the road you will have some choices...probably more than we do now...plus you have us older fuckers blazing the trail and you can benefit from us being Guinea pigs LOL.