Like, living without sufficient sex hormones increases risk of heart attacks, risks breaking bones, it makes it hard to sleep, you get hot flashes and mood issues, like - no thanks. Just because the body is giving up on being alive doesn't mean we have to choose that, any more than when a diabetic finds their body isn't producing insulin anymore - just take the hormones and live a healthier and happier life, lol
Especially these days, now that we have bioidentical estrogen and it's not all just Premarin and synthetics - you're right it's much safer and I don't really see any downside (I think there is an increased risk of breast cancer, because that's just associated with estrogen in general).