Do I have low T/Klinefelter Syndrome?

M29, 146 lbs., 5’7. I don’t have any of these typical symptoms of either of these conditions (low sperm count, narrow shoulders, high voice, inability to grow a full beard, female pattern pubes, breasts). Can actually grow a really thick beard and have a deeper voice than most men I know. But I have wide hips for my frame. And 60-70% of my fat cells are in my hips, thighs and glutes. Does having these two things indicate having low T/ Klinefelter Syndrome?

Please refrain from saying “Ask a doctor/specialist.” I don’t have health insurance atm and live in a barebones small town, so this advice doesn’t apply to me.