Hi, RoxanneN. I believe we have corresponded before.
For me, I don't wish to attempt phallo because I don't believe it will help. What I psychologically need is my body as it was before, which no surgery can restore.
I think tbunny has it very well. Unfortunately, I live in a state and had to deal with providers who severely conflated to the two, or, even, viewed SRS as the definition of transition and that the rest was mere window-dressing.
I was, by all accounts, quite well adjusted, to the point that my providers remarked (albeit with what appeared in hindsight to be some disdain) that my social transition/RLE had gone exceedingly well. I did things that were beyond what their other patients had done, such as be recruited by and land a position with one of the top employers for my field.
However, even they kept finding ways to make issue of the fact that my legal ID still claimed male, as I reside in a state that requires proof of SRS to update that document. There were also pressures like constant changes, both up and down (yoyoing, if you will) of my HRT, all extremely repetitive, which was having profoundly negative effects on me and pushed me into depression and to the brink of suicide even while they saw my transition as being "too easy." I was dealing with providers who claimed to not be gatekeepers and to have over a decade of experience supervising transitions, but who persistently misgendered me, etc. The experience is verifiable, so it can't be unintentional lack of knowledge. Instead, I'm left with the fact that therapists and doctors in my area believe that compelling an individual who feels at peace with their genitals as they already are into surgery to alter them, even at the risk of inducing dysphoria over that, is somehow a legitimate medical/mental health concern.