Should I start Mounjaro?

Hello! I am asking this question because I am currently 20yr, 210lbs at 5’4, and also have PCOS along with Sleep Apnea. I have tried everything under the sun to lose weight.. I have also talked to multiple doctors and told I would benefit from GLP medication but insurance just doesn’t want to cover it for PCOS individuals just yet. (Many suspect within 5 years it will be covered and the leading medication for PCOS) I am looking to self pay for wegovy starting in a few months but after getting labs back today they don’t look good.. my cholesterol is messed up bad and my Apnea has just gotten worse.
My mother is prescribed Mounjaro and is offering me hers. I know it is frowned upon to take medication you are not prescribed but the thing is I WOULD be prescribed it if insurance would cover it. I would start at the normal 2.5 and in a couple months possibly swap to wegovy where I will pay for it myself. I just want others opinions before I take this leap to start. TIA!