Dear Sophia,
apparently, you've got your resonance modulation down pat – your voice sounds very good indeed for not having had surgery. I'd pay attention to the ends of sentences though. Your voice drops there (which is part of natural speech melody) and you delve into pitch regions that natal women can't access anymore (or at least not at reasonable volume). I would successively add breath at these points, to simulate the "noting out" effect so obvious in the voices of a large proportion of women.
Whether to have surgery or not is a tough question. I'd consider you about on a par with SarahR on this forum, who decided in favor of VFS, despite she had already feminized her voice to a large degree. And I must say, it really put some very favorable finishing touches on her voice.
It'll all boil down to how much of a perfectionist you are. You don't desperately need VFS, that's for sure, but if you could profit from it is a wholly different matter. You decide :-)
Hope this helps,
Amy
