You already know you're about to be shitstormed for suggesting the idea of TRT at 20 in this forum if you've been reading it long enough. But because I can kind of relate to your problem and because I don't always do things the way the forum recommends here's some advice:

On Testosterone gel in the underground market: I know it exists but I've never seen it. You're going to have a hard time just trying to find it and you're severely limiting your options. Injectable testosterone is the cheapest, most affordable, widely available, less harming to your liver kind of testosterone there is.

On not being able to inject: didn't you want a chance to man up? There you have it. If you're not ready it only means you're not ready for T either. There's a lot of testosterone deficient kids out there, transexuals, diabetics, people with real issues and they're getting their injections at home by themselves. We've all been afraid but it's not that hard at all and if you really want it you'll find a way. Just make sure you use the right protocol and be safe (knowing you're doing it right takes 90% of the fear out).

On jumping right into TRT: don't do that to yourself at that early age. It's a decision that's going to be with you forever and you are not ready to make it yet. Do a couple of cycles first. You don't have anything to lose that way and it will help you make a more informed decision.

Hope that helped.

Dude! Noooooooooooooo!! You're a hormonal VOLCANO at your age. You start TRT now and by thirty I'll be sucking your titties. There's Hella folks here to help your training and diet. Unless ya want old nasty man looking at your moobs......eat and lift right. You'll thank us later....

yes it is available if you look for it, there are no hand outs here brother. and as you say 400 is in the normal range, so they are not going to do shit for you, there are also ways to raise energy levels with out the use of test. as far as the high voice feminine shit, maybe you havnt stopped growing, your young bud. and if you use the test gel then your blood levels will be all over the place, trust me i was on that shit at a young age, but my level was about 160's. but i had none of the shit your talking about, just a fucked up test level and less energy. do you workout? seriously? if your that worried about it, man the fuck up and do a few shots of prop then go to the doc a few weeks later and get your T levels checked, i promise they will be lower if you wait the proper amount.