I am about 7-months in atm, when they do electrolysis on my mustache(the rest of my face is extremely thinned out) your face automatically looks younger, without the appearance of dark and gray areas your face becomes more feminine. Same thing would happen to a biological guy who is not transitioning.
Overall male clothes are looser, baggy, don't show off female curvature. If you wear a tight shirt its still not cut for female proportions so at worst people might think you have some "man handles". Minute you step into a female outfit, especially after electrolysis has done its magic it will be impossible to hide obviously. Even with the minimal amount of fat distribution you will just look like a girl thats not very curvy.
At the 7 month mark in my personal experience which would be shared by those that experience decent breasts growth its becoming hard to hide them even in male clothing. They stick out further than even my beer gut. Tbh this is more embarrassing though, being in guy clothes without a bra on and larger breasts feels really wrong. Ive had someone stare on the train and this was in guy clothes. Once you have breasts it almost doesn't matter if you have a little facial stubble. Once your releasing pheromones guys will subconsciously glance at you without even realizing it, even if they have no interest because obviously they still see you as a guy but nature doesn't lie.
For reference I just turned 26 years old.
For more reference those that are close to me, and see me every day have not noticed at all. Good thing about breast lumps and boy clothes is many people will probably just think under the shirt your a fat guy with man boobs xD
That being said there is many girl clothes that can pass as tomboyish or guyish. Even jeans if you don't get em too tight. You don't need to be a girly girl and wear super girly clothes even after you've transitioned. Heck you can be a butch! though many of us don't want to go that path xD
There are many feminizing things you can do as well that can keep you in boy mode, one is thinning your eye brows, manicures, wearing concealer for mustache hairs. Getting a very nice androgynous hair style, perhaps androgynous with a feminine tilt. Shaving/Waxing body hairs really REALLY boosts confidence and the feeling of rightness.
Its taken be 6 months to walk through the female clothing section without feeling nervous about everyone looking at me. I still haven't gotten by fated hair cut, and I still haven't thinned out my eye brows. Things take time, but everything you do makes you feel more confident. Some people transition in a day, some take longer based on personality.