I love testosterone cream -- as most of you know
I take 2 mg daily (4 mg per gram, put on 1/2 gram = 1/8 teaspoon).
It revived my libido within 24 hours after 3 months of no sex in my head or life at all.
20 mg -- good grief -- that doc is nuts! They prescribe that because it is on the market (i.e. patented, FDA approved)
but that is marketed for men! Your doctor should give you a compounded prescription. If your testosterone blood levels measured below 10, 2 mg is the place to start. And even 4 mg is quite high, 20 mg for a woman is off the charts.
My insurance (Aetna) doesn't cover, but the $27 a month for a compounded prescription is well worth it.
BTW, I would just put the testosterone on the thin skin of the arms, behind knees, back of hands. All this talk of putting it on the clitoris -- I tried that this weekend

-- just a dab -- I don't know, it was a bit much.
But, I just read Uzzi Reiss's book and he encourages women to play around with the doses. It seemed a bit wild for a doctor to say this, but I tried it. For example, he says, if you are a lawyer and you are going to argue a case in court that day, you might want to give yourself just a bit more testosterone (on the thin skin of the arm, NOT the clitoris) to give you energy and the aggressive push. Well, last night, I had to attend a business dinner and sit next to my husband's boss and chat her up, and also his bosses boss. I was feeling sort of tired and introverted, so I took Uzzi Reiss's advice and gave myself a bit of testosterone in the crook of my elbow before heading out. I was ON and had a great time!
My two cents.