Welcome to the forum!
I plan to take testosterone gel, basically because getting to and from a doctor's would be a hassle, plus I hate needles...
All I can say is T is something to think about very carefully. You mention that you would like more muscle mass from T, and you mention that you would stop it once you were at a happy inbetween place. If you did stop testosterone you would lose most of your muscle mass...the only things that would stay are the voices changes, some body hair/more masculine face, and genital growth. If you would be happy with those things alone, testosterone may be for you. Have you spoken at all to a therapist?