Like some others, I was only on HRT for a couple months before going full time, no surgery yet. We all have different reasons, but for me, I just had to. I was doing the back and forth thing for a while, and that, to me, was worse than anything, because I felt it was to jarring to be he one minute and her the next. I never had a problem in public, even way before I realized who I was, so after some laser on my face, I felt that I could live full time with little discomfort. Passing? Heh. I don't even think about it that much these days. That's not to say I don't want to pass, I do, but feeling like I'm being true to myself trumps passing every time, for me.
On a side, why does everyone who says they always pass and are super fem and have female traits naturally never have pictures? It's just that unless you began HRT pre-puberty, then most likely you have some male traits, so what? We're on a site for trans folks, so why the BS?