Being worried is good. Being not worried and jumping into an FFS is a problem. I've read a lot of regret stories from people who went ahead with FFS way too quick.
It took me 8 years to finally went ahead with my FFS. Even before being wheeled into the operating theater, a nurse said she didn't even know I was trans. Not very nice to hear when you're going under... but at the same time, the only thing FFS can do is make things better. Better than they were. I think everyone can benefit from FFS, but not without a couple of years of careful evaluation. It's a huge event, and recovery is slow. All these years, you can save a lot of money. Just put away something each month, and don't look at it. After a few years you suddenly have some means. Time passes quickly anyway, before you know it you're where you want to be.
My goal was to pass for 99% of the time. Before FFS, I could pass for about 70%, I think. Even if I accomplish 90% I feel it was worth it. I did not want to be beautiful or hot, I just wanted the face I would have had when this condition of ours wasn't present...