Gosh, Magic, it's like you're in my head.
I'm going through exactly the same thought processes. For me it's a bit different because I've always been skinny and lightweight and I first got into weightlifting a few years ago and for the first time I have muscles, and I am SO not going to give them up just because Trans wisdom (whatever that is) says I should go on SRS.
I also don't like the idea of any kind of bottom surgery. True, I'd feel more natural with female parts, and if I could be given a female bottom that works like those given out at birth (lubricates naturally, has 3x the nerve endings of a penis, stretches without dilation procedures, etc.) I'd be tempted, but (thank heaven) I actually don't mind having what I do below (once I get past not having been born with female parts) and it works enjoyably, so slicing it all up is not a high priority.
But I wrestle with what kind of sexual being I will be, presenting female but being anatomically male. Of course I'm married and the very idea repulses my wife, but that's a WHOLE 'nother issue. My current thinking is that my sexual attractiveness can't drive my presentation. I need to present to the world the way is most natural, and than figure out how to relate sexually in that presentation.
But as you say, fitting in is an issue. I consider myself non-binary gendered, so neither a male or a female presentation completely expresses who I am, but I'm not considering any kind of androgynous presentation, because I want to fit in.
So it's male or female. Do I go with male, which will be easy given my current body but with which I basically have no affinity, or female, which will make it much harder to fit in, but represents the way the world wants to see me?
Answers are tough. Doing a 19th century style transition with no SRS or HRT is tempting.