I don't really know about your facial hair, it sucks, I really want alittle facial hair myself but I got pretty much nothing.
sure hair depends on genenes of each person and the dose, I know a guy who is in his 43 and he never had a beard.
I am wondering about your T, you seams to have complained for a long time that it dosen't work properly as you think. So I think either your are expecting too much or not satified with the effect or also the T really isnt doing its job good enough.
if your on testrogel I would highly recomend you to try to go to injection of some other kinds.
I do know transfolks who are on gel and happy, I have been on gel myself but I find most people to be more satified with injection, both because its less troublesome and becuase they feel they get more effect out of it. so I think hou should try talk with someone who is knowlegde about your type of T and dose and consider to try another kind if you havent already done that.
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also about passing its not only about T, passing as I see it depends on alot of things from where you are, to what your lucky and unlucky features are.
For me I pass with my high, my voice and my slim boob-less body, but if I sit sillence with a big jacket on where you cant see if I got boobs or not, neither my mucles and only showed my thin hands and pretty femenine face, then I tend not to pass so well.
for other people they might be very short and not had top surgery but they can pass with there boyish face, its diffrent from each person, so you can also look at yourself to consider what make you pass and not pass.