A few thoughts from someone who has had SRS, and made a bit of a stink about the definition of RLE and what it means to "live as a woman":
1) I had SRS with Dr Suporn a year and a half ago. Went great, highly recommend him, etc. He required one letter, and then his psychologist interviews you also. I get the impression that he is willing to do the op without any letters, just having his own guy talk to you the day before. Not very professional IMHO, but it is worth asking Sophie about. (She is his email liason, and gets some inexplicably bad reviews here, but I can tell you she's sweet as pie as long as you are respectful, in my experience. And yes, I went back recently for a cosmetic revision, which she also arranged, just as nicely).
2) I am sure there are others who would do this, but Suporn is one of the best two or three in the world. The rest I have heard might end up doing poor, irreversible work. Don't skimp on SRS, even if it means waiting longer to save up! Some of the stories on here are amazing, and terrible.
3) Being on HRT is a wonderful thing. I was on HRT for two years. BUT I had a different definition of what it means to be a female. So I took great issue with the so called real life requirement. For a lot of people, however, it is not a bad thing, simply because although you can sort of drag as a male once the surgery and hormones are done, you won't want to (and in some cases, won't be able to after a while; hormones are lovely things, not to mention silicon breast implants:) If you have a conservative job you must retain, or family, or live in Emirates or something, there might be reasons to remain in stealth. It should be your choice alone. Luckily, the rules were recently relaxed/rewritten allowing for you to not have RLE as long as you have a very good reason for not doing so. There are a few online therapists who are excellent who understand this and will help you even over skype. I don't want to get flamed for being to specific, but there is one in Boulder, Colorado who is excellent, and one in Denver Colorado who is most certainly not. PM me if you are in those areas and I'll happily share.
Either way, you shouldn't have any problems getting the surgery. The problems however might arise after the surgery, if you either have gone to a cut rate doctor, or haven't mentally prepared yourself for what you're in for.