@Heather NDear Heather:Thank you for sharing more of your transition story and progress.
Obviously be very careful and safe dealing with the Covid-19 issues.
Under-dressing in women's underwear even while presenting in male-mode can be a wonderful experience.
Forget Halloween, you can still go on a "date" in full female mode with your SO to a restaurant or a walk in the park.
The covid-19 mask mandates can really help with that.
You are correct, I imagine you can wear what you wish when you go to your doctor.
As you continue on you will be more "brave" as you venture out in partial or even full female mode and attire.
As time goes on, getting rid of male socks and underwear, baggy male jeans and baggy male tops will really help you to eventually get into full-time female mode.
Thank you for sharing and posting.
I will be eagerly looking for your updates as you feel comfortable posting them.
HUGS and best wishes as you continue on in your journey. 
Danielle