If the person you're talking to is willing to sit through a longer explanation, then I've found the second one can be a useful starting point. It provides a framework to conceptualize all changes on HRT, and you can give the biggest examples of what does or "doesn't " change based on the turnover rate.
Fat: high turnover rate. Will therefore cause noticeable changes to appearance quickly.
Muscle. High turnover rate, see above.
Cartilage: slow ish but noticeable turnover rate. Changes, but over a longer period of time.
Bone: technically can change based on preliminary evidence, but very slow turnover rate, so that's on the scale of decades and aging gets in the way.
Genitalia: there actually are a lot of changes to the soft surrounding tissue of genitalia (for both transmacs and transfemmes) but a few core structural features are obviously much slower to change. Preliminary research shows that trans differentiation of primary sex tissue is possible, but most likely not at a rate that's practically relevant. Yet.
Breast tissue: a new tissue that doesn't need anything to make way for it! Which therefore goes through rapid "growth spurt" stages, growing fast while it's being added, but plateaus while not in one of those spurts.
And of course this doesn't cover EVERYTHING in the body, but with a couple of examples, you've created a framework to think about HRT that's more accurate than just "take pill that has a short list of effects".
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