Maybe I came across a little harshly, you are 100% right about individual differences in metabolism/sensitivity to androgens/rate of aromitization. I'm not on prescribed trt, but I do blast and cruise and have for a while on dosages that are very similar to the OP's and yourself. I'm also lucky in the fact that I do not aromatize highly, I need very little AI when I blast and none on my cruise dose (100-150/wk) puts me at around 22-24 pg/ml. I get blood work done very frequently, and even when my e2 is elevated =/>35, I subjectively experience few mental side effects if any, so I can't personally relate in that regard.
I can however speak from experience regarding stopping test entirely, before I b&c'ed, I ran normal cycles, 500mg or so and I can tell you based on my bloods, that two weeks after stopping pinning, my test was basically zero and I did not feel great mentally. I'm normally very positive mentally and cope extremely well with any kind of stress and this was a huge departure for me, and I can only imagine how difficult it would be for someone who is already in mental anguish. I think we both just want the OP to be ok, I think completely stopping test is a bad idea, your hormones want stability in a situation like this. At the very least I'm sure we'd agreed the guy should get a blood test and see where he is at.