You're probably exaggerating, as always. MOST transsexuals, including the 40+ ones, will pass after a while on HRT. Some need FFS, but most don't.
I can't be stating facts because I haven't seen you, but you have a really low chance of needing FFS to pass, at your age. And your chances of not passing despite FFS are... negligible.
So unless you're the most unlucky person on Earth, I doubt it. You will look like a woman. And you will grow to like, or at least tolerate, what you see in the mirror. The only three conditions are to eat properly, to see a therapist and to keep on with HRT.
And besides, I don't know about you, but even if I was going to end up ugly, unpassable, masculine... I'd still prefer to be "that ->-bleeped-<-" over being "that guy". And you're overestimating how mean people are.
Look, for a while now, I've been a weird, airhead, always late, confused, androgynous being. Seriously. People gender me male or female at pretty much a 50 % rate. And people talk to me. And no one ridiculed me. And I'm not exactly beautiful. Actually, the only two people who've complimented me on my looks were in love with me. Love which, of course, began over the Internet, before they could see me.
They think I'm weird, and I'm not exactly everyone's best friend, but I get along with most people, and they even spontaneously come to me for help with homework, sometimes.
So far, I think it's happened twice that people laughed in my back, or discussed my gender. Twice, in over a year. And I'm not even trying to transition right now. My HRT dose right now is pretty much equivalent to nothing, and I'm still wearing half guys' clothes (and my girl's clothes could actually very well be guys', actually).
Seriously. Whether you like what you see in the mirror is partly questionable, since you're so self-hateful and delusional. But that's up to good will and therapy. But whether you pass as a woman... Unless you show me a picture to prove your point, I'll be considering that as highly likely; quasi-certain with surgery.