This is not a good question, as it doesn't represent a realistic choice. If you can't pass, FFS probably won't help that much.
There's so much more to passing than a face and there are many women who have strongly male facial features and still pass fine.
Your first question is about hair. Let the hormones do their thing and finesteride might be a good choice for you. Hair loss is often associated with T and its reduction, as part of your hormone treatment, just my bring your hair back.
The next issue is people giving advice who haven't been there yet. If you don't have a vagina, you don't know all that goes with one. It is NOT just a change in your panties, it's a change in your brain, as well. If you ask many post-op women, they will nearly all tell you that GRS will cure the feelings of GID. All those anxieties, all those compulsions and over-riding obsessions can go away when you wake up from the surgery.
As a post-op woman, I'll advise you to focus on your own transition first and be slow to make long-term plans involving a lot of money spent. In other words, if transition is the right path for you, start with hormones and let them do their work. Anyone who is currently on HRT will tell you of the calming effect of beginning Estrogen therapy. Aaaaah. The E will re-shape your facial look over time and it will also re-shape your body. YOU need to re-shape your mind and behavior to let your inner female come out to the world.
After you are well on your way to fulfilling your year-long RLE, you may decide what to do. If you really want to let your inner woman out, she will come out. Just be aware of who is telling you what. When people give you advice, look at what they have, for if you follow their advice, that is what you'll get.
If the money is the same, GRS does WAY more than change your body, it also changes your brain. It can cure GID.
