I tend to agree with Jamie also. I consider myself as MTF, love the effects HRT, primarily to my head and my heart, followed by finally seeing the hint of a body I actually can be happy living in. GRS has never been on my "Must do" list. The absolute last worry I have about presenting as Joanne is a surprise panty check

If I allow it, which is a lot

, there is a battle royale inside my head over the label. Which in turns dictates what course of action I need to take. (did I mention I tend to be rule bound and have a lot of black & white thinking?) This all leads to a lot of anxiety, self doubts, existential crises, plenty of tears, plus the physical side effects as eating and drinking too much. All things I'd rather not want to deal with.
I am at a point where I have a great compromise that is mostly working in my life. Outside of work I mostly live part time as female. I am happy, there is joy in my life, I have passion, I actually like myself!
Thanks to me I suspect, when a new member of our TG group comes to their first meeting, the group facilitator basically says there are no rules a trans person needs to follow, the trick is to find a place along the broad sprectrum of TG that makes you happy. Forget about the rest. Usually that is followed by a collective turning of all eyes to me as a slink down in my chair out of guilt and embarasment.