I'm okay with my upper-half. I'm not very muscular, and therefore I look like a prepubescent girl. This I can handle. I'd prefer breasts, but I just need to wait until they grow ~
My lower-half... Well... I try not to look. I hate everything masculine about me (face, lower legs, my height (though I can cope with being a tall girl)), and so naturally I despise the most masculine thing about me. It isn't very girly to have one, after all.
Around others, I cannot undress. Around girls I feel self-conscious, and don't like it. Around guys, it just feels so wrong. I absolutely hated the changing rooms in school, even before I realized I'm TS - I was always out of place, always quite girly. And getting completely undressed in front of someone, I could never do that, not as a boy. Maybe as a girl, but never as a boy.