Here's the thing, though, Julie... if you let that worry about nothing changing consume you, derail you, and you quit working at it, then nothing will ever change.
I really hope that you don't let the stress derail you. Because I can't tell you the number of times I've heard stories about people who gave up on transition because they thought the stress was too much for them, and then ended up transitioning anyway later in life after a long period of depression and self-hatred.
*hugs* I know I consider you one of my HRT "twins," so I really hope this will all work out for you and you'll be able to work it out. The public part is admittedly the toughest part. The world is not kind to us, especially in this early-transition state where we're still barely learning to pass, and needing esteem boosts to keep us going. But one way or another, we're all going to have to learn to deal with it eventually. This is where it's not so easy anymore, because now it's not just some distant fantasy, it's actually where you have to start working for it. Again, I hope it works out. I'd hate to see you abandon transition and feel miserable down the line. Again, *hugs.*