well, this is something I've thought allot about (massive understatent) lately.
One thing is that these are still early days, I transitioned very quickly after comming to terms and very easily, now I'm four months in and I'm pretty happy with my life in general, my body has reacted well to hormones (started them just under two months before going FT), now I'm over 1/3 my way to getting my SRS letters and I feel I should really be planning, it's the only thing that really bothers me on a day to day basis other than my boney arse.
For a while I was dead set on saving up a ->-bleeped-<-e load of money and going to the best surgeon money can buy (suporn), then I realised, oh ->-bleeped-<-e I don't want to be in debt and there's no way I could save up on my own accord faster than like three years and bugger that, then I considered bowers by going with someone else at the same time it'd be cheaper and I could afford it but it's not a dead cert, this could happen and i'm still considering it, but I'm not 100% on it, if it can all happen smoothly I'd do it but I'm not counting on it.
More recently I've seen more results from bellringer and thomas, earlier I had seen a few scary looking ones though they were either very early thomas results which looked a bit, well, odd. and while logically I think I should go to the right surgeon for me not based on convenience it is damn convenient to just pop down to london and into charring cross for a week and then recover nearby
Also there's a choice aspect, I don't like the idea of being just assigned to a surgeon and that's it, though I recently found out that I do have a choice depending on which PCT I apply to, I could go to either thomas if I apply to lothian PCT or bellringer if I apply to westminster PCT. thomas seems to have a better reputation but I've not seen all that much of him, I know exactly what bellringer would do for me and i'm ok with that but I don't really know much about thomas...
All in all I've come to the same conclusion I started off with, stash the money away but the NHS is probably what's going to happen, espcially as I'm 8 months or so from referral and the surgery waiting list as it is now would plonk me exactly where it's convenient for me and give me enough time to recover before my third year of university; summer 08 and it wouldn't cost me a penny.
This compared to flying off half way around the world paying about £6-8k recovering in unfamilar surroundings and then flying back to england safe in the knowledge that if anything went wrong with my bits and bobs that I'd be financially screwed by going back to have it fixed up and all this would be for some asthetics and maybe a little mucusal tissue? Besides I don't think I have the material for bowers' technique and if I did bellringer offers a similar op anyway.
Is it worth thinking all this through? Definitely, but it's not worth obsessing over it too much, I've just got to the point where it's the only real trans related stress in my life other than that I don't have any dysphoria, not with the rest of my body and not with my life.