Regarding informed consent clinics, they do (as at least one person here pointed out) tend to assess the person medically. I had been on T for over a year when I decided to start using the informed consent clinic and save some money. I'm not saying that my clinic is typical--and there are things I don't like about it, so I might be stopping soon--but here are the hoops I had to jump through, even though I was already on T and had changed all documentation but my BC (can't change it in my birth state):
An initial screening by the program director (not an MD)
A detailed medical history
Paperwork to read and forms to fill out
Submission of a detailed written plan for the next five years of my life
A physical exam
A long talk with the doctor about the effects of T, even though I was already on it
A recommendation for an annual mammogram, even though I had had top surgery (they obviously made a mistake with me)
A recommendation that I see a GYN, since annual visits are required by this clinic
A recommendation for an AIDS test
A recommendation for other STD screening
Pre-T blood tests (I couldn't get a scrip until the results were in--and the clinic takes blood every time I go--about three times a year)
As I said, my clinic might not be typical, but this is hardly a case of giving out hormones like candy.
Anyway, the OP is only trying to find his way. If he ultimately decides that T is right for him, he can go on a low dose or gel and stop at any time. For some folks, especially those who do not identify as solidly male, trying it is the only way to find out if it is right.
I am not in any way suggesting that people who aren't sure should just bounce off to their local informed consent clinic and start shooting up. I am saying that not everyone identifies in a binary way, and those folks have as much right to transition in their own way as anyone who is pretty much binary.
As long as people know the risks and possible rewards, recognize that sex hormones are serious business, and make a careful, informed choice, who are we to deny them that? In fact, if I had tried to transition when I first came out, I would have been denied because, even though I did identify as male, I (1) had been molested as a child, (2) wasn't sure about bottom surgery, and (3) am gay. If the first two hadn't disqualified me, the third most certainly would have. Because, you know, gay trans men don't exist. Now a person is likely to be told by a therapist that he has to be either male or female and nothing in between. But some people ARE in between and need to find ways to reflect that in their bodies. T is good for some of them, not so good for others, and a complete mistake for still others. They and their medical advisers are the ones who must decide.