THis is what I think; replacement won't mess up your situation any. YOu can still try to recover natural testosterone levels at some point in the future if that is what you want. It is possible that you have chronic extreme stress because of the low levels and this is causing the low levels to continue. THe best thing to do is just forget aobut it, go on HRT and in a year, revaluate the situation.
All these guys who say, don't do HRT, it is a huge descision and you will be permanently on it are wrong. I have spoken with a genuine expert on this and he explains that, if a man is cabaple of making his own testosterone, it takes about 3 months after prolonged HRT (anything lasting over 12 weeks) and the natural testosterone levels come back to their baseline levels.
BTW, this same guy says he has patinets on HRT for years and years and when they want to have kids he takes them off or lowers the dose and they have the kids.