2% too low? Everything can be questioned, but where is the evidence that it is higher?
Absolutely right about men not seeking help. Medical studies confirm this.
I think what they were looking at were sudden changes, or testosterone as the root cause of depression. Humans are not only biological, although our biology underpins everything, including our sense of self, value system etc. I think this is important; MLC is not ONE thing, it is not caused by one thing (but of course there are triggers, including physical and hormonal).
In the case of my H, there is no evidence of falling testosterone levels. His existential crisis is long and deep, and he has had episodes throughout his life (caused by traumatic external events). He doesn't seem particularly concerned with age, either. He looks 20 years younger than he is, and is physically very fit (but until recently has behaved as if he was 30 years older).