This is a great thread!
For me all but genitalia and bone structure can be eliminated straight away given the current state of medicine and treatments available. Not going to spend my wish on face, voice, hair or breasts when there is FFS, speech therapy, hair solutions and BA out there. Then, given that there are plenty of cis-females out there with quite masculine skeletal development, I would choose female genitalia. This is only way I would be able to experience everything that a cis-female can.