Considering my use falls under HRT, I have had nothing but excellect experiences since I've been on. When I first started, it was like someone turned the light on in my head or put new batteries in. For the first time, I had the drive/motivation to go and do new things, and I was thinking far more clearly than I ever had. The year before I started, I had a mediocre bonus for the year. The year I started, because of my newfound drive and energy, confidence, etc. I pulled in a large bonus which I was told, was $2000 more than what everybody else was getting. There are plenty more good experiences that I can't even begin to number and write down here.
Not many negative experiences--biggest one is everybody seems to stare--a lot. My wife gets angry sometimes because we'll go to the mall and she sees girls and sometimes even their boyfriends with them checking me out. Some girls will flirt with me outright at the cash register with my wife standing right next to me. (My wife is Brazilian, btw, so she's got a fiery temper.) The only other negatives for me is that I get really oily skin (although I don't get really bad acne), and I'm now hairy as a bear and have to shave a lot.