I don't know where you stand right now but if it is to be a woman, you can do so much on that part.
Many on here are from the U.S.A. far as from what I heard, are you also? Either way compared to the UK and the Netherlands, many countries do not have such long waiting times. When I start hormones in two weeks I have been waiting for two years. Sure, testeron does damage but unless you smoke, I doubt it is 'that' much that it is irreversible.
Hormones only do so much. To put it very bluntly, I have seen transgenders starting with HRT without exploring at all and they ended up looking like feminine men. Not because they did not look like a woman but because their behavior/clothes/looks/expression was still the same as it used to be. This isn't to demotivate you, the opposite even. Explore yourself. Go shopping, online even if real time scares you still. Play with make-up, see what suits you. Explore yourself. Learn to be a woman, instead of wanting a pill so desperately which won't turn you into a woman, but will only feminize you.
