You are not in menopause until you have not had a period for a year. Everything else is peri.
FYI, I have all of those things, which may or may not be related to my hormonal level. I've been post menopausal for 13 years, so I just keep going.
I would try the HRT. You can always stop. Also, you might try some relaxing type of movement, like yoga or T'ai Chi. At the least, it might help your riding and calm you down.