You should not have a bloat from testosterone enthanate, keep estrogen at check- if bloat still happens it means you have problems with adrenals- tough HCG stimulates adrenals as well as thyroid so bloat should not happen, minor water retention yes, thats all.
IMO most simple and best protocol for test e in either HRT or on cycle is mon-wed-fri, same with HCG which can be injected before or after test e.
Optionally you can add low dose of masteron e.
Other thing that I suggest to people is to add one bottle of test prop with start one-or-two weeks before stopping test e, and run it for additional 2-3 weeks- so test e clears of system, last dose of test prop should be small one, followed by HCG and 2-3 days after you can start PCT.