@jenatsky

Starting HRT "late" does require deep discussion with your trusted and hopefully up-to-speed doctor; even some endocrinologists (who arent living under a rock) now advocate for it. I am a physician, not trying to dis anyone but Medicine 1.0 should fade out ...Medicine 3.0 is here but you have to find access.
Your individual situation and risk tolerance must be carefully examined, but many of us qualify. I lost out on HRT for 17 years and lost a lot of bone, fractured, and took pharmaceuticals without doing enough deep reading. Now I am back on HRT at 72 for the past year, feeling great and with much study find that many doctors now advocate for HRT. Even with a very high Lp(a) and early atherosclerosis, I and my cardiologist and women's health specialist (Menopause Society) agree it's useful for me.
Nothing is "fast " with bone building, but reversing loss can start today! See The Osteocollective.com, a legit group, research backed with lots of support classes and information on reversing osteoporosis even if you cannot use HRT. Most helpful.