Kathy, I noticed you are listed here as a CD. Hrt will effect all sorts of changes for you: tends to change fat distribution to female patterns for fat-cell placement, however will not 'move' midriff fat to thighs, buttocks, breasts, upper arms or hips.
Will probably cause breast-growth, however YMMV holds true for everyone. Will shrink testicular and penile tissue and cause impotence (you said you weren't worried about having children) but also generally retards erectile functions as well.
Tends to 'smooth' facial contouring, however does nothing to bone-structure. Will tend to affect hair growth rates (YMMV.) Nails will tend to become more brittle and thinner.
And does seem to change certain mental/emotional wiring in the brain.
To be honest you should prolly go search some health-oriented sites available on a google search for trans-health just to be sure you want to go this route. Not all 'CD's find that they do after discovering effects in their fulness. Again, YMMV.
Welcome to Susan's!
Nichole
