In short: my circumstances are such that I will have to endure about 3-4 more years before I can begin hrt. If the choice was up to me, I'd give myself first shot at earliest reasonable and legally possible age.
I have a question and a few comments though.
From @Rejennyrated's post it looks like docs are easier at allowing hrt if someone is already living their life as a woman. Is that so?
@Cynobyte
This is actually an interesting point about lack of T.
So here is more about me... I grew up in southeastern Europe. My first memory of being bullied goes to kindergarten. I wanted to play with girls' stuff in their corner. Girls bashed my ass away. Then boys bashed me too for ever approaching girls' stuff. And bullying over it just continued. Nobody cared. I spent my childhood pretending through ground school and high school. Horrible places and horrible years. When I separated form parents at 21 and moved to another country, that was my big chance. Not as big, as they were still quite LGBT unfriendly. At least I had shot at having privacy at home. Unfortunately, all I was doing was very uneducated. I kind of had health insurance, but those guys were really good at avoiding me. So, I stayed a woman in boundaries of my home. That is, when I got rid of my roommate first. I would confine to a friend now and then. They'd either consider me a joker, high, or would distance themselves from my life. I was not really encouraged to share and ask for thoughts.
At age 28 I read for the first time that my state is actually known as transsexualism. At age 29, almost 30, I learned that treatment of my state is not only surgery, but also hormone replacement therapy. That said, today it is about <2.5 years since I understood hrt exists. Maybe I should get one of those banners counting 'time since ...'.
So I pretty much know the feeling transsexuals had before hrt existed. I came out of a time capsule, lol.

Now I am in a LGBT friendly country and have my own home. From what I tried, living my life as a woman is actually a big confidence and self-esteem booster. I want it. After 3 decades of hiding, I am good at masking how I feel about my state. It doesn't make the pain any lesser though.
So wanted or not, I already began my journey without hrt and am not waiting for hrt to get as much as I can. Currently I am working on getting my facial hair removed so I can walk out without that nasty shadow on my face. Night is my friend. I conceal it much better at dark. So, excitedly waiting that half of the year when we have less than 8 hours of daylight. Currently, the sun rises before 5:30 a.m. and falls almost at 10 p.m. That sucks for me now.