I went full time before HRT. I spent years thinking I could do it all myself, and didn't need drugs, therapy, or surgery. I just looked at myself one day, and said to myself 'I don't need to change back' so I didn't.
I had the advantage that I had just moved to a small town, so very few people knew the old me. It's still a VERY small town, and they all know I'm TS, and for the most part don't care. I get gendered correctly, and I'm just treated as the lady I wish to be.
Now, on HRT, been thru therapy, doing it all the 'right' way, I realize, there is no 'right' way. If you feel good about it, have the confidence, think you look good enough (perfection is an unattainable ideal), you can go full time, anytime.
Remember, the difference between passing, and being accepted can be huge.
Waiting for HRT to feminize you could take awhile. Plus, your degree of feminization could be huge or miniscule. Time to get pro active, and get busy taking things into your own hands, a see what HRT brings down the road. Well down the road.
Going full time before HRT is certainly not for everyone. I have the confidence of a daylight burglar, thick skin, and a don't give a crap attitude.