Wow, does all this look familiar!! Are you a newbie to HRT? If so, you have my sympathy.
When the doc tries to give you gels, ask for finasteride as well. He won't give it to you, but then you'll have established a baseline for your doctor's stupidity.
You'll do a lot better at an anti-aging clinic, like www.allthingsmale.com
Enjoy your experiences with doctors and your HRT.