You could look into using exemestane @ 12.5mg during your cycle, I think this does a much better job of decreasing "puffy nips" and gyno problematic symptoms, all the while keeping bloat down.
AS for the HCG BigBird hit the nail on the head, HCG is a matter of preference, some run it for the sole reason that it will keep your boys a good size while on cycle, I for one dont care if there small while im on, I do however take it during pct to aid in the recovery process. The faster I can get my natural T level up, The more of a chance I have at retaining the gains I made.
Though If I PCT its rare, I cruise between most cycle, But when I take an extended break I pct.