Go read the new member rules and etiquette.
Make your new member post
Tell us about your goals there
how bad a cycle will be for a fit guy at 52 to run a cycle?
Age isn't the worry. Let your bloodwork tell you how bad it would be. You are overweight right now to start.... lose the weight first. Get comprehensive bloodwork. Have you had a calcium score or any cardiac imaging? If not, do that. What did your most recent lipid panel look like? Whats your blood pressure?
10-12%(top two rows of abs clear and defined and third row visible)
This is no where close to 12%. It is 20+
HRV avg is 56, Vo2 46, RHR 48.
These mean nothing. Blood work. Not smart watch guesses.
Looking for a good 10 pounds that I can keep
You have probably 20 pounds to lose first. Optimize for that.
so I figure I need 20-25 pounds before PCT
This demonstrates that you have a long way to go and lots to learn before a cycle should be in the picture. I'm not knocking you- there is nothing wrong with having to learn more. But that statement is a glaring sign that there is lots of work to be done.
natural test was 730 a few months ago
why mess that up?
Lose the weight, then make an absolutely amazing food plan for growth, and hit it hard. You aren't optimized right now. Adding a cycle now would be like putting a wing on a honda civic thinking it will make it faster. (I tell that to everyone I love).
Become a race car before you start using racing fuel.