Some people have cycled all their lives without hcg and have been fine. However, hcg is definitely helpful in recovery and helps make pct smoother. Whether or not it's needed for u is only a decision u can make.
Whenever u use extremely suppressive compounds like nandrolones or trnebolones I'd definitely make sure to use hcg. Especially if lifetime trt or infertility are things u fear.
To feed the flames, I use hcg but I probably wouldn't on only 500 test e/c. I'm currently blasting hcg on a 525 test p/ 35 dbol cycle.