Certainly the incidence of beast cancer which is NOT hereditary would be much lower than that. But, to the point of weighing risk versus benefit, 1 in 3 women will be diagnosed with heart disease which is the number one killer of women. 1 in 5 will develop osteoporosis and 1 in 9 will develop dementia. For women with a lower risk of developing breast cancer, HRT can be a reasonable strategy (imo) to reduce their chances of being diagnosed with conditions for which they are at even greater risk.
I am not trying to talk anyone into anything. Just trying to shed some light on the considerations that go into making an informed decision. Obviously, whether or not to use HRT is a serious decision and women are entitled to better research than we have, so that the decision feels less like rolling the dice.