Hm. I don't know a whole lot about bottom surgery, but from what I do know it seems like something might be possible. I don't know how one might go about finding a surgeon to perform a partial bottom surgery, though.
You could go on T for awhile and then have (what I think is called) a clitoral release done, where the surgeon would cut some ligaments, allowing the clitoris/penis (whichever term you prefer for your bits) to hang more freely and appear larger. This is one of the steps of metoidoplasty; you would opt out of vaginectomy and testicular implants. This would give you a penis and vagina, but no clitoris separate from the penis. I'd personally love to have this done, except for that I'm pretty sure I won't ever go on T.
I don't know much about phalloplasty. I believe that the clitoris/penis is buried inside the constructed penis, but don't quote me on that. If it isn't, you could conceivably have a result that included a penis, clitoris, and vagina.
I watched Taboo last night too! There were some parts I found problematic, but much of it was very good; I liked the use of 'transgender' rather than 'transgendered.' It would have been wonderful if they'd included a FAAB non-binary person, maybe someone who uses neutral pronouns, and perhaps gone into a little bit of detail about top surgery rather than simply mentioning it. Someone on the show said something like "you have to find a good surgeon, so you won't see the scars," which is totally inaccurate; visible scars are inevitable in a lot of cases. Also, putting trans* people on a show called Taboo might not have been the best move.
I assume you're in the US, unless the NatGeo channel is broadcast in other countries. There are therapists that operate on a sliding scale, where the amount you pay is based on your income. If you're in the Chicago area like me I could make a recommendation to a wonderful clinic that I'm pretty sure uses a sliding scale (and also prescribes hormones on informed consent, if you're into that). Otherwise, I'm sorry that I can't be of much help. On the bright side, when the Affordable Care Act comes into full effect in a few years, you'll almost certainly be in a better position in terms of insurance.
ETA: I understand the worry of ending up alone. I feel it too. Just a couple nights ago, I had a potential date tell me that my being trans could be a deal-breaker. However, I've also managed to meet a few wonderfully understanding people who, even though I haven't gotten a relationship out of any of them, give me hope that there are people out there who will accept me.
