Seems like you have some misconceptions.
Generally, you will need to have Test levels of 200nl/dl or lower in order to get on TRT from a normal doctor; and some doctors are very conservative about it. So basically, you aren’t guaranteed to have levels low enough for TRT unless you were already at a low level before starting AAS, or do not recover properly (which is impossible to tell right now). My point being that you are not guaranteed to get prescribed TRT.
Second, Test from a doc isn’t going to be cheap. It is normally a bit more expensive than UGL stuff, and all ancillaries are much more expensive (HCG, AI). TRT is advised because of the legality of it, not because of the price.
Coming off blast/cruise to get on TRT is pretty common. If you levels aren’t low enough after blast to get on TRT, some things can lower test buy won’t show up like exogenous test will; like LGD-4033. That would be a good backup plan if you levels aren’t low enough but you want to get on TRT from your normal doctor.
Alternatively, there are Men’s and Anti-Aging clinics that will basically prescribe you Test as long as you pay them out of pocket. Some even don’t even require you to come off cruise.