I am very glad that you were able to get your own care and didn’t have any bad outcomes. On the other hand, I’ve had cis-female patients go to naturopaths or chiropractors to get estrogen and/or testosterone pellets for peri-menopause symptoms and they had no idea what the risks were. In the emergency department, I’ve had cis-female patients on estrogen replacement therapy that was not well managed show up with DVTs. Cis-male patients on supraphysiologic testosterone are at risk for several different kinds of organ failure along with a drastically increased risk of heart attacks.

I don’t think that trans patients are terribly likely to harm themselves with DIY HRT, but having hormones available OTC is going to lead to a lot of cis people getting sick or getting killed by taking extra hormones to try to fix their problems because scammers and quacks have convinced them that hormones will magically fix all of their problems.