I considered just having testes and penis removed, because my sex drive is about zero. I am 66 years old. This is not uncommon for my age group. I have no idea how old you are, but it really all depends on what you want to do with the rest of your life.
The cost of removal of all sex organs is almost the same as full SRS (vaginoplasty). It is your decision and choosing to not have a vagina may be the cause of later regret.
Currently, I do not have a boyfriend, but I am a few weeks away from SRS. If I ever meet a man worthy of sharing my body, I would like to indulge him if I like the guy.