You can’t compare other people‘s experience to particular compound and apply it to yourself. Your situation is unique to you.
HCG can cause men anxiety and lead to other side effects. Some men can’t tolerate HCG at any dose.
HCG increases other hormones like cortisol, which is ideal if someone’s is starting TRT with low cortisol levels due to the fact that TRT lowers cortisol.
Increase cortisol, the stress hormone can worsen mental disorders.
The testosterone cream is usually well tolerated if absorbed well. The very short half-life formulations of TRT tend to produce less side effects than the injectables.
If I were you, I would start the testosterone cream in isolation and allow your body to balance itself and add hCG later on and determine whether or not it’s going to cause issues.