your confidence issues is what would put a girl off, not the fact you're short. i'm shorter than you (and so are a lot of cis and trans guys) and i have no issues dating. most girls i date are actually 5'7" or taller. i don't let my height bug me, i don't see it as an issue, and because i don't, others don't. also, if anything, T would make you look more masculine if you're worried about passing. also, yes, T might make your hair loss worse but balding is still a thing that happens to men more often. look at these things as positives rather than negatives, you know? that's all you can really do. ultimately, it is your choice but even in a few years, you might still have these worries and keep putting it off.