Questions are only stupid when you intend them to be stupid. So ask away.
That 3 months is just about right from what everyone says. You could start with a Genderal Practicitioner, then the Gender Therapist and from there the Endocrinologist. Many GPs aren't familiar or trained to deal with GID and I had to fight to get the referal to a gender therapist.
So, don't overlook LGBT resource centers because in large commuinities they often have a therapist on staff, or on retainer, but if not they can give you a list of qualified therapists. Houston has the Transgender Foundation of America, and you should call them no matter where you finally decide to go. And if you're close enough, visit with them. Costs at the centers near me in California are based on ability to pay and it's usually very low, or free when necessary. They also always accept phone calls, and will answer your questions before you even set up an appointment. But you may need to wait a few weeks to a month for that first appointment. I didn't use a resource center because I had Kaiser health care, but I'm a big believer in these centers.
Let us know what happens, and best wishes.
Kathy