River Rat your symptoms may not be ALL testosterone related. Have you ever had a full thyroid panel done? Here is some good information how the symptoms are very much related and alike:
https://www.restartmed.com/thyroid-symptoms-men/
IMHO, you aren't going to get the necessary treatment and advice from an Endo or Urologist on proper testosterone/thyroid treatment. I waited 3 months to see an Endo years ago and he told me nothing wrong, I'll give you a prescription for Cialis.
If you can afford it, Primebody and
Defy Medical are both sponsors of this site and know what they are doing. They do telemedicine so, you don't have to go see them. Yes it takes some time to get the proper blood test and start treatment but, it is no where close to 3 months. Ongoing treatment cost me about $600 year. They will issue scripts for blood test that your insurance will cover.
Its a decision you will have to make for yourself. Very few members here are getting the proper treatment with Endo's and Urologists.