I suppose I'm a bit newer on the hrt but same age. Pretty much seconding what Joanna50 noted, but also for me, the most critical thing was the change in mental process, I think this bothered me a lot more than whether I had large pecs, or B cup breasts. The initiation of the breast growth and fat redistribution is very reassuring to me mentally. Most of the ridiculous sexuality that T was forcing on my brain has dissipated and I feel, comfortable in my head. It now takes a real infringement to get me angry, so I no longer feel like nuking the world every time I stub my toe.
All around, just mentally peaceful.
That's really something I can't even put a price on its so valuable; enough so that I've committed to myself, that whatever the ramifications or paths I must choose in the future, my little feminine brain will NEVER be subjected to substantial quantities of T again, and for now, as close to zero as possible is my firm objective.