Bullpoop. I started hormones at age 27, I haven't had any body surgery or face surgery, and not only do I pass as female to the point that I'm stealth at work, I'm unable to pass as male anymore, even if I tried. (I did try a couple of months ago during the primary elections, because I forgot to change the name on my voter registration. And I was still called "she" despite showing up in a baggy t-shirt, chest bound, trying to speak in a "male" voice, and using my old male name when they asked me what my name was.)
And I was definitely NOT a twinky feminine-appearing person pre-transition. I didn't transition or start hormones for my entire adult life, from age 14 to age 27, because I believed that I was just too big and too masculine to ever pass, under that exact same wrong assumption that I'd never be rid of my big neck, big shoulders, "I'd just look like a man in a dress," etc. Here I am now, post-transition, stealth, and unable to pass as male even if I tried.
Also, most of my closest trans friends didn't transition until their late 20s / early 30s, and my reaction to pretty much all of them when I first met them was my mind being blown by how feminine they all were.
There's no such thing as "too late." A better question to ask would be what are you missing out on in life by staying in a form that makes you hate yourself?