I'm on hrt, mid twenties.
Firstly, you can not diagnose yourself with "low test" from an online quiz.
Go to a doctor, say you want a full blood panel for the reasons you listed above.
Secondly, next to no doctor will prescribe you HRT, no matter what your results say.
Thirdly, if you ARE just trying to get hrt for an advantage, your kidding yourself. You get minimal dosages, which will do fuck all for you unless you genuinely have low test
The doctors can prescribe you adex and HCG. HCG is on a world wide shortage, so no matter how many scripts you have, you still won't get any.
Trust me when I say HRT is no joke, and not to be taking lightly.
You may stand to loose much more than you may think.
Let me finish by saying if you don't NEED HRT, don't be a fuck wit and doctor hop trying to get on. It makes life really hard for people like me to get treated.