Longterm the health risks of hypogonadism are something I would be more concerned about. I am in no way telling you to run a fullblown cycle. I would get with a doctor and get a script(this takes care of the legal issues which I totally understand.)
Hairloss is a potential side effect with almost every steroid IF you are a susceptible person.
"Don't forget about a slow metabolic rate, lethargy, libido issues, estrogen flare ups including gyno, etc, lol"
I might be misunderstanding you but test does not slow metabolism.
https://www.nejm.org/doi/full/10.1056/NEJM199607043350101 Even the non-exercise test group gained strength and muscle. You obviously train so no there is no risk of fat gain.
Libido/lethargy
These will only improve with a true trt dose.
Estrogen
There may be an adjustment period, often seen when folks start trt, but most will have zero issues as long as the dose stays physiological.
Plain and simple you are not a scientific anomaly and your body was designed to have a normal amount of test in it. You have made the absolute most of your poor hormonal environment and that is to be commended as I know how hard being hypogonadal makes bodybuilding/fitness. Imagine yourself with another 10-15lbs of muscle with increased hardness and that is exactly what simply getting on trt may deliver over the course of a year or so*****
***I am NOT saying just anyone can gain 10-15lbs on trt BUT OP has no test so his case is different than a hormonally normal individual using 100-200mg/week.