I felt exactly like you did when I first started. It all felt like some unfair continuation of something that should have began when I was in my "prime passing years" (which was when I graduated highschool, I was skinny, lanky and low on the facial or body hair, and had LONG back-length hair which i later shaved off entirely like an IDIOT lol)
It all felt so overwhelming and long and ugh... The day i started HRT i was like "YAY..... aww F***.... now what." lol, I was so caught up in starting HRT that when i did... life went on and i went on with it, waiting lol. (not saying this is what you're going through, just stating how I felt at first)
Something I've learned over the short 3 months and 3 weeks on HRT... is that life has a way of working itself out for you. I always felt like i was going to transition and it was going to mean d*ck to people and i will always just be "othername" in a dress to them, but honesty ~ I feel so established in my femininity that when people in my family misgender me or call me by my birth name... I think to myself "who the f*** are they talking to? 0_o". You might be putting a little too much stress on your entire process, which is normal because I ended up making large lists of things I "needed" to get done before the year ended, and within the first month or so, i was constantly stressing about FFS, SRS, HRT methods, Voice training, laser hair removal, body language, blah blah blah... but then i sort of just "eased" my mind... suddenly my path just layed itself out for me and the only thing i truly NEEDED to stress about .... was patience -________________- lol
Fast forward to now, I'm already doing laser on my face, I have to wait 4-8 weeks to have my name and gender marker legally changed (already filed the papers and now I just wait for a hearing date; which usually ends up being a letter saying "your name is now <etc>, please update your records."), I am full-time (despite being surrounded by a painfully uncompromising society) and now I stress about regular things like how I want to buy a million cute dresses from American Eagle but I'm unbelievably broke lol. The thing is that eventually everything becomes just routine and planning and the only thing left to do is experience and enjoy, and believe me ~ that time will come; soon you will stop worrying about your "transition mile-stones or lack-there-of" and start feeling all sorts of pain and joy and difficult moments and joyous moments that will take your breathe away and leave your mind saying "wow... this is so cool." The hard part honestly becomes just ignoring the painful moments and embracing the joyful ones... which is something i'm currently working on ~ sometimes for me, all it takes to ruin an entire week of positive experiences... is one person blatantly misgendering me; then i breakdown for 3 days before i can pick myself back up again -_- is petty and annoying and sounds ungrateful, and i'm working on it.
Also, consider that there are things that you might not need. I've noticed that FFS is usually not necessary because you would be surprised how the hormones can change your face... I've seen people transition with the most rigid, masculine faces to the most adorable, soft, cute or sexy faces that it almost feels like they switched out the person and put in a different person entirely lol. Just let the hormones do the work (which I admit is also hard to wait for and put your trust in, but you'll get there)
Before even starting HRT this was my list hehe:
- Come out to (and then a separate list of names of people who i swore were important at the time)
- Get psychologist
- Get endo
- Get letter
- Get hormones
- learn makeup
- learn voice
- learn body language
- learn mannerisms
- learn about fashion
- learn about differences in gender communication
- check levels
- get laser or electro
- get FFS
- get SRS
- Learn about manicures/pedicures
- voice training if necessary
- change gender and name
- start using female facilities
- go full time
- get new wardrobe
- etc.
You get the idea

.. everytime i would look at that list, i would come close to fainting because it all seemed impossible to do... now consider that I'm only reaching 4 months.. my transition-related list has come down to 3 things:
- keep up with appointments
- go to the gym
- SHOP FOREVER!!!! BUY EVERYTHING 0____0!! (ive become a bit of a shopaholic... there's just... so many cute outfits and so little time & money T-T )
And keep in mind that I wasn't very much meticulous with anything other than stressing out and nearly fainting every time i considered everything i "had to do"... so many of these things just came as they came, and i'm not saying they were cheap or fast... but it pretty much all happened smoothly and you just have to remember to take it all in one at a time, don't overwhelm yourself and find enjoyment in every accomplishment whether its big or small. I can understand feeling like you just want to be one of the girls and how it can be hard to put yourself in that "slot"... believe me, its one of my deepest desires to feel like one of the girls... honestly i had that feeling pre-HRT when i was just dressing and going out with my girl friends.. going to the bathroom, fixing our makeup, talking about silly boys and their silly commitment issues... i am actually in transition now and I lost all that

but I know i'll eventually get it back. Don't know if this helps; but i'm as lazy a person as it gets... seriously. HRT (as my mind began to quiet down) has given me this incredible amount of motivation.... that while I'm still an incredibly lazy ass person, the stuff i'm doing for my transition doesn't feel like "work" or like "a drag" to do... it feels fulfilling, comforting, inspiring. Do yourself a favor and just
WAIT... it will all come to you in time, you will get everything done in time... and remember that once you've reached your destination, you'll have forgotten that the fun part was looking forward to the trip... Idk if anyone will agree with me on this but; HRT will help you tackle these things accordingly... its allowed me to actually have a bit of "damage control" on the whole situation... it allowed me to quiet my mind and shackle my depression and actually DO things without feeling overwhelmed. Don't dwell on the past because it wont change anything and will only make you miserable. When you are able to think calmly and realistically, you'll see that the only realistic thing to worry about is money

and as you work towards your goal, the financial part will gather. Human motivation is an amazing thing, and you'd be surprised how much you can get done with enough drive ~ which you will undoubtedly get.
There; your long rant is now forgiven by my long response >_< which I will now apologize for

... sorry.. I cant seem to shut up sometimes.