I'm new here so I hope you'll take my thoughts with a grain of salt and not as an insult--I don't mean to offend in any way. What I experienced was my desire to have SRS overruled everything in my life. It was so strong that to continue with my birth defect would mean certain death to me. There was nothing I would have done to be surgically corrected and if I couldn't have gotten it done, I would have been dead.
I am now just over 20-years post op, having had surgery when I was in my teens, and I don't even consider it regrettable. In fact, it's like I've always been this way so I don't even think about it. Yeah dilation is a drag and I skip it alot...but i also had a ->-bleeped-<-ty marriage where he deprived me of sex on a regular basis, so I had to dilate even then. But when I think about it, it's like not wearing earrings on a regular basis--they tend to close up too or at least make it harder to get earrings in when I want to wear them. And with dilation, I've gone months without dilating and it didn't close up or anything. Granted I can't take a dilator as deep as years ago or as thick a dilator, but my husband wasn't very large so I had shrunk down to accommodate him. My husband prior to him was much larger and I was able to accommodate him easily without any pain--and we had sex regularly so I didn't have need to dilate ever. I guess I'm trying to say that the vaginal tissue is very resilient and if you take proper care during the first few years, it will have healed and become every bit a vagina as a natal one. At this point, for me, I'm going through the same things post-menopausal women go through, and women who have been without sex for a long time--bleeding upon penetration/dilation, less depth/width...but like natal women, I can stretch my vag back out with proper dilation schedules or regular sex....
I think the further down the road from SRS you get, the more it becomes like a bad dream, the way things were before. 99.9percent of the time I don't even think about being transgendered. The only time I ever really have to even think about it is if I have a medical issue that requires imaging of my abdomen--and at my age I'm considered post-menopausal so I don't even have to bother explaining any lack of internal organs--they just assume hysterectomy.
Whatever you decide to do, you're lucky to be living in these times. The world is way more accepting and way more PC so as not to offend. Look at Bold and Beautiful with their transgender characters now! In my day, the only way to do this was to leave town and everyone behind--now, kids are getting it done even earlier than I did, and are finding acceptance in schools--and legal protections from bullying and abuse. It's not a perfect world but it's way better than in the 80's/90's when I was going through it.
From my heart, I would say to wait on the SRS surgery until you're absolutely certain. I had my surgery in Montreal and the girl I was supposed to room with came up 3 times prior and chickened out every time....and when i was there, she came, got freaked and fled again. I can't imagine such indecisiveness--not to knock you at all--everyone has their own path to take--I'm just saying for me, it was surgery or suicide. And i am deeply truly grateful to each and every person who helped me on my way so I could get my surgery at a young age and for fixing this birth defect that held me back from being "me".
Sending light and love your way.