I'm lucky that where I am, there's good transgender awareness in my province in Canada and hormones and surgeries are reasonably accessible through health care.
All that said, I might end up changing my name / gender legally before the T, this fall. Still thinking about timing of everything. I'm fairly confident of the name, since I've been writing under it for a while now.
My counselor is awesome. Our sessions go to till end October, and I've decided I won't start any permanent changes before then. First thing is getting a new pt job to help with living costs and moving. It's probably gonna be: move, name/gender, T. But hey, that all could change too, lol. Maybe the last two will switch. Where I live, I don't need to have surgery to change my name and gender, just a medical letter.