Your test is 437, not bad. Are you type 2 hypogonadism? If so you could easily turn that around with diet, stress managements, etc. But, if you go TRT, personally taking the AI right off the bat with low BF and normal E, i would wait. I would do the HCG if you feel you are going to have kids later on. I am no TRT but no HCG. Already have kids. As for Finasteride, personally i would not. I work with a ton of people with Post Finasteride Syndrome. IMO, its not something I would ever touch. Good luck. Keep us up to date.