I just joined this board, so hello!!!
I have PCOS. Syptoms can present differently in women. I have many of the classic symptoms, but no cysts ever. My periods are completely erratic, I had trouble conceiving, depression, I have had acne (in my 30s, but not before), I have gained a ton of weight after I had my babies. My first two children were conceived using fertility drugs, my third by treatment with metformin. I did not find out I had this until after my second child was born. My husband caught a spot on the news, I took the info to my doc and she tested me.
I don't know anything about the cholesterol levels, but it is odd that you posted about that. I just had a complete panel done and my cholesterol and triglycerides were elevated. I am the same age as you.
You said something about early menopause in your family. Odds are that those women had PCOS as well. My mother "started into menopause" at 38 (same doc that dx'd her as menopausal missed a diagnosis of PCOS for me as well). A lot of doctors don't know anything about this.
This is/can be a hereditary disease. Again, symptoms present differently. You could set a calendar by my mother and sister's cycles. Neither of them had any problems conceiving. My mother has never been officially diagnosed, but she lost all of her hair, gained weight after my sister was born. My sister is showing many of the other syptoms now, hair loss, darkening of the skin (which is insulin deposits). She was diagnosed after I was because she was starting with symptoms and I told her to get checked.
Metformin is a good treatment for PCOS as is BC pills. If left untreated with irregular periods, it can lead to other problems with your uterus. The tissue builds and builds and may not all be shed with your period. You can end up with a hysterectomy.
A great site that you can get a lot of info from is SoulCysters. I hope my info helps. If you have any other questions, just ask and I'll try to answer them for you. Living with this is a pain, but manageable.