The main reason to add hcg to testosterone is for fertility/cosmetic purposes as hcg (human chorionic gonadotropin) mimicks lh and seeing as lh is shutdown when using exogenous testosterone using hcg will mimic lh and stimulate the leydig cells in the testes to produce ITT (intra-testicular testosterone) and to also prevent the testes from atrophy.
Using hcg will prevent the leydig cells from becoming dormant.
As far as back filling the upstream hormones it has never been proven in the medical literature.
Regarding shrinkage everyone is different as some do not notice any where as others do.
Highly doubtful on trt doses that the shrinkage will be extreme as in shriveled up like raisins.
It all comes down to what you feel is best and your purpose/goal for adding it to your protocol as the only way you will know is if you try it.
You will hear so many say they derive beneficial effects an d many others that do not feel anything. or feel worse...............intra-individual variability.
As far as irresponsible that is for you to decide.
I have been on trt for almost 18 months and have never used hcg nor an a.i. as I do not plan on having children and I did not notice any shrinkage of my testes and regarding back filling the upstream hormones I am not convinced.
Overall I feel great regarding my energy/libido/erections/mood/gains in muscle/strength and my recovery from lifting weights and I have no issues regarding penile sensitivity/low ejaculate volume as I can still shoot big loads and have intense orgasms.
Everyone is different so you need to decide what you are hoping to obtain from using it!