tlb4v - I'm on 180mg per week as well, with extremely low SHBG. I started with 100mg per week, but it just wasn't doing much due to SHBG problems (hyper metabolizer). I had problems as well controlling E2 (anastrozole over responder) and some problems with test spikes/lows even with 2x per week injections. I think those things just come with the territory of low SHBG.
I ended up breaking up shots into 3x per week, and using lower dose anastrozole. That solved ALL my problems related to anxiety spikes, E2 control, RBC, and most libido issues. I'm finally feeling the positive effects of TRT, mitigating the side effects. As someone who's gone through what you have, and am on the same dose, I think that would be a really good place to start. Any transdermal is much harder to "dial in", so I don't think that's a good route to go if you're already having problems (personal opinion) vs. injections.
HCG - You need it. There's a reason almost everyone that uses it says it makes a difference that goes way beyond any cosmetics of testicle size.
Wife and possible kids - Sorry, totally can't help you with that one. That question will have to be fielded by others more knowledgable than me.