Alice,
There is plenty of literature available both here at Susan's (Wiki) and on the internet regarding the effects of cross sex hormones on MTF TS.
There is also plenty of research done both on the effectiveness and contr-indications of this type of therapy, again just google and you will get.
I think I know where your going with regard to the T-Question, the addition of extra Testosterone into any Male body is not recommended, it has a number of effects, increased aggression, anger and sexual arousal to name but a few. Not something any (potential) MTF, would wish to happen. That added to the potential for greater hair loss, increased risk of Male Cancers (prostate, Testicular)is not something I would recommend.
Testosterone has been used as a means of "treating" Hommosexuality in days gone past, before it was understood it was counter productive.
If you want to put off transition, look for other means, keep occupied, get on with your triathlons, keep focused, but in the end as I said in chat, it may just delay the inevitable.
Rebecca
xxxx