Carol, you have probably already realized that this is a subjective call--the symptoms may not be fatal but can be terribly debilitating. The surgeries have various outcomes. Though it took about six months of tweaking to get the HRT adjusted to what felt like "me," I'm satisfied with that outcome. I found the constant bleeding frightening and inconvenient for just the few weeks that I experienced it; I can't imagine dealing with it for months or years. Of course, my surgery was prescribed because the bleeding polyp was cancerous, and the hysterectomy provided the "clear margin" needed to pronounce it cured.
Choose or don't choose whatever surgery for your quality of life reasons. For me, the prospect of continual bleeding would beg the question "how much is too much?" and the inconvenience of always bleeding (an abnormal and restrictive occurance) would dictate surgery to resolve the problem. There may well be too many hysterectomies in the U.S.; I remember as a young woman resolving that I was going to go into my crone years intact, that no doctor was going to tell me "you're not using it anymore, let's rip it outta there." That didn't happen. I went through a period of mourning, at having lost such an elemental part of myself, one of those "chakras" that we hear about, etc. But I'm past that now, and I'm alive.