SadPanda : Uncertainty is really, really tough, and erodes your mental stability over time. I'm so sorry you're living with that.
I hate to say it, but... reading back through Vicky's posts, I'm reminded of something I just said to a friend this past weekend. "If the only reasons someone has for not transitioning are external reasons [what will other people think, will it ruin my life, will I ever look good as my target gender], then eventually they are going to transition." I think you have to prepare for the worst from your perspective, that at the very least living full-time as a woman is on the table.