Hi, I'm a trans guy pre-everything. I'm 22 but I can't transition now because I still live with my family, and they wouldn't accept it (I almost know for sure). Also, I'd rather be fully independent before physically transitioning, to avoid family drama and stuff

it's what scares me the most about transitioning. Not body changes, not society, and not friends (they're all accepting), but family.
For this reason I'll be transitioning later in life. I'm wondering...does it matter? Will I have a harder time doing things like growing facial hair or muscular mass?
Let me say a few things about myself...it's what everyone else thinks too, not just me....I have naturally masculine facial traits (I pass a lot), and a low voice (not really low, but it doesn't sound like a woman's voice either). I don't have fat on my hips or butt so it helps. I'm short but not too much and I know a few cis men who are as short as me or even shorter (where I live people are not very tall, and I'm 5'5"). But I'm thin, small, even though I work out and have muscles they're obviously not "male muscles". My dysphoria is getting worse, and I guess it's because when we are really young we don't notice differences much, but as adults things get worse. My lack of facial hair is what usually gives me away. I don't really care if people think I'm still masculine even without HRT (being masculine but with a female body is one thing, having a male body with a flat chest and facial hair is a different thing and it's what I'm looking for), the reasons why I need to transition is because my dysphoria makes me miserable. I still have breasts (major cause of my dysphoria), an uterus and ovaries (other major causes of my dysphoria, especially because of periods). Those elements are enough to cause me to feel uncomfortable, wrong in this body, miserable and dysphoric. The reasons I want to transition and feel like it's a necessity for my well-being and for having a stable life is not other people's opinions, the reasons are me and the way I want myself to be regardless of what others think about me. I want to do it for myself only.
I used to be a little bit in denial, because of fear. I used to be like "no ok, my being trans doesn't affect me to the point of making my life suck". Oh how wrong I was. I now have the guts to accept that me being trans is one of the causes of my anger towards life and my depression. Sure, I have mental disorders like depression and anxiety because of other things too, but if I used to deny being trans was a major issue, now I accept it. It's the best thing I can do because only when we find the exact problem we can work to fix it.
It's not enough for me to have been wearing male clothes since I was a kid and having my hair short and looking masculine. It's not enough because I still have a body I never wanted. And why keep living a miserable life when I can transition one day and be finally happier and comfortable in my own skin?
I don't ask for extremely good results. I don't want to look handsome, I don't even ask for a full beard or being super hairy and muscular. I don't care. I'm not the "macho" type of man either. I just want to be happy and feel comfortable with myself, and no matter how much transphobes and other bad people say I need to stay the way I am or just "deal with it". Science gives us a possibility to change and feel better about ourselves, and I want to do it, for my own sake, before I go really insane and end up being so depressed I can't function anymore.
My dysphoria is getting worse and getting debilitating, this is why I'll see my old psychologist (who already knows I'm trans) and open up a little bit more with her and ask for help. Still, I can't transition because I'm terribly scared of my family. They might not care anymore (but they used to) about me being manly and looking masculine, but actually changing physically and changing my name? I'm sure they'd freak out.
I have a serious question now. As I said I suffer from depression and anxiety (and a mild form of bipolar disorder that is now totally manageable thanks to meds). Will the fact I have mental disorders affect my future transitioning process? I hate the fact I need to "prove" I'm really trans in front of therapists. I already had an issue with a psychologist I decided to dump last year (she asked me weird questions like my breasts size and was curious about what I looked like with long hair before cutting it! I found it extremely inappropriate and offensive. She also didn't believe me about me starting to know I'm trans when I was a child!), so I feel like having to prove what I really am in front of therapists sounds condescending of them, but I'm willing to accept this if they will help me. I'm just scared that me having a mental disorder will make them deny me HRT.
Please help, I'm in a very dark place at the moment!