I get freckles when I'm out in the sun but these are the kind that are bigger and don't go away. Got some in places that aren't exposed to the sun like beside my belly button and my on my upper thigh.
(IANAD, and I've never been on T.) Is it ever so slightly raised? If so, it could be a keratosis. I started getting them as I got older in similar places. Not sure what it could have to do with T, though... maybe hormonal changes in general? Dunno.