Male chest and a deep-but-not-exclusively-male voice are my fancy. Body hair is just... No, for me; I like not having any. But there are still aspects of each sex I'd rather pick out and piece together if I could.
Frankly, if I could opt for a dick and vagina, I'd be on the moon.
As for the original post--
I'm waiting a while too, partially for age-related reasons (and that I'm not necessarily "out" yet), as well as uncertainly that I'd always feel more comfortable in a male body.
I'm pretty sure I'm getting chest surgery eventually, but as for T and bottom surgery...
The former I don't think I'd take, or at least not for a long period of time.
The latter, maybe not, and at least not until I think the technology has gotten advanced enough to give me something to work with that can function on its own. And, by then, hopefully I'll be able to keep my female bits without having to fight for the right to do so while still getting a phalloplasty.