Hi-
It's your life and you are in charge regardless of your religion or faith. Things occur when you are involved. Have you ever noticed how when something happened to you that you really liked or disliked, you were there and involved.
Having worked with lots of trans-people (mostly MTFs), it seems those who settle for half measures, unless they are gender queer which is way different, can usually mange to get by . . . if getting by is what you want out of life, then go for it. Just recognize what you asked for; of course, you can change your mind and go further too. You have my deepest respect for being a person of faith; it's admirable.
I say this not to influence you, but to offer words of insight from my experiences working with trans-folks for several years as part of a medical collaborative that serves the trans-community.
Is all this hard, expensive, painful, . . . maybe. However, maybe it's exciting, fulfilling, wholesome . . . how it is, is 95% about how you choose to see it. Are there challenges - many and that's life when playing full out on the court versus being on the sidelines watching. Hey, watching can be fun too . . . it's all about what you truly want.
Take good care and much love,
R