Hi;
Unfortunately it all differs from country to country. For the first 34 years I lived exclusively in the United Kingdom (well with some periods in Denmark & Germany) and I transitioned when I was in my late 20's early 30's and lived full time as a woman for nearly 2 years. It was tough because back then the UK was not very TS friendly place. I was treated at the Charing Cross GIC and them they would not prescribe HRT with a Physciatrist letter and then only after living full time. So I bit the bullet and with some really close girlfriends and a poly couple (that I had an ongoing relationship with) I started the process without HRT. I changed my name, started working as a woman for the Abbey National Bank in Milton Keynes and subsequently for another company as a Secretary Receptionist (after doing a secretarial course at night school. I was lucky then to have a great circle of women friends supporting me. After 6 months I finally got approval for HRT. A couple of years later I had to de-transition, because of family and economic reasons. For the last 25 years I have lived part time in Australia & part time in England. This time I was able to get started on HRT without being full time, although I present mostly as female. The reason is I know all the pitfalls now and really want to complete all the hair removal and to get all the right curves in place. Also of course the drug regimes now are much better. Certainly having lived through Stilboestrol, Premarin and others and now Progynova, I reckon my degree of feminization has worked in my favour a lot. Mind you I have no Adams Apple and very small feet and hands and small but nicely rounded breasts (a small B Cup) from the effects of the Oestrogen treatment. It helps that I have very low T levels ,1.1.
So Personally I would strongly recommend starting HRT as early as possible, but bear in mind that after 12-15 months you are going to increasingly find that only tailored women's cloths fit properly. In the last 2 months I have twice split male trousers (when having to present as male) because now my hips and bottom have a definite rounded female look and shape and I am bursting out of my male cloths on the hips, but on the waist are very loose.
Interesting stuff (and of course it will only get worse....I mean better!!
Hugs