When to start HRT?

I’m a little confused when it makes sense to look into starting HRT? Any thoughts on when the right time to start is? Is it best to wait until periods are at least irregular?

43F about 5-10 lbs over BMI weight, regular period cycles, sleep is fine minus some heat induced interruption in the week before my period that’s new. My calves itch like a bitch, compression stockings help immensely but are hard to wear when it’s hot outside. My skin on face and neck has a subtle difference, like it wrinkles very finely or slightly in a way it’s never done before. The skin on my hands looks older than I am, dry and fine crepe-like wrinkles, it’s always been quite thin, but not wrinkled. I occasionally get random dark hairs on my body that I never used to get. My toe nails suddenly grow with ridges they never previously had, but I don’t know if that’s related to peri.

I’m happy to wait to consider HRT, but if there’s damage being done by waiting, then maybe it’s worth making an appt with a telehealth company? It sounded like my Obgyn doesn’t prescribe until symptoms get crazy or menopause. It’s nothing intolerable right now, it’s vanity + when should I start it to preserve my health?

Thx for your input!