496 is fine/normal.
having a refractory period is normal.... wait till your older, you'll be wishing for your current 'issues'.
unless you have some other symptoms or problems, I personally would not look to HRT.
now if you are concerned or have other symptoms, then get some more tests before doing anything. test Estradiol, TSH, 8am Cortisol, D25-OH, ferritin among others.