Ive seen grandparents endure pain and discomfort throughout retirement. So....
If its a case of either/or absolutes, Id honestly rather lose 5-10years off the backend of my lifespan but live enjoyably due to "trt", than die older but have lower life quality.
Reality isnt quite this neat, and things get further complicated (grey) if one blast-cruises, but I think that is the crux of it. There is no evidence TRT is definitely unhealthy, in the way smoking is, so long as you do all you can to reasonably offset any potential risks: get regular bloods, eat healthy, take some basic health supps, exercise.
Which are pretty much all things we should be doing anyway.