Jay, I was the opposite. A day or two after I came out to myself for the final time, I felt motivated to start losing weight. For one thing, I knew that some surgeons could give me trouble for being so heavy. I was hoping to time things so that I would have top surgery not long after I lost forty or fifty pounds.
I lost forty and gained ten back (winter, ugh). I started T and gained muscle mass; but my weight stayed the same, so I figure that I was losing more fat. I still wasn't quite where I wanted to be, but I was a lot less embarrassed taking my shirt off for the pre-surgical consultation than I would have been a year earlier!
I don't know what to tell you. If you don't have motivation to do it, and if you can't find the motivation because of your chest, then top surgery has to come first unless you can't find anyone who will do it. You would have to be very overweight before that happened.
But make sure you're being honest with yourself about what you want, why you're not trying to lose the weight now, and whether you will be motivated later (as near as you can tell). If you're thinking that top surgery will impel you to do certain things but it doesn't, you'll be disappointed, frustrated, maybe depressed and angry.