Hello
I am very similar to yourself, this whole thing, for me the spark was randomly assigning myself as a female on a chat website and really enjoying it. I never really felt much about these things until then. (Although i did always wanted to be Maria in West Side Story - but hey.)
I think that both of us could easily go down the transgender, transition type route and I was all ready to. But do you actually feel that you are female, or do you just feel that it would be much nicer to be female?
The biggest worry is that ticking clock, the feeling that if we were ready to go all the way, we should do it quick and get it over with, and hopefully live an exciting, pretty and integrated life after while we still have less to lose than others. I think we should both be wary about rushing.
Less then two months after the big feelings came, they went - i feel the odd twinge, however i now feel the odd twinge of pride of my maleness. I see a lady and I want to be one of them, I see a man and I want to be one of them...So I've decided to call myself adrogyne, which helps a bit.
I'm still waiting this out, I reckon you should too, just do little things - excercise your mix of male and female as you are, and then reasses, because it seems certain that once you actively go down a route aside from noodling around it, it don't let go. And that's probably scarier than a ticking clock.
One thing I did which really clarified things for me is write a list of people, real, fictional, male, female that you wish to see in yourself. I was surprised to find out that many of mine were male, despite the strongness of my feminine feelings. It helped me asess where I am and where I want to be.
Maybe it's wiser to be a better person, or a happier person, well rounded with male and female attributes, before choosing one or another...
Or maybe I'm just talking balls...