Hi Moni!!
Sorry to be late to your party, but hey, I'll try to make up for lost time..
As you know, I was born female, but I was forced into an FTM transition, complete with genital mutilations, er, re-assignment, and forced T and HGH dosing...
The result of these things, was that I was turned into a pretty good facsimile of a 'boy', and then, a 'man'..
And having lived through all that, the end result was a life lived very much in parallel to a biologically male transgender girl..
What strikes me most of all, are the similarities in emotional anguish and self-concept between myself and trans women. To the naked eye, we are indistinguishable, and our internal struggles, vastly similar.
Though my recent journey has technically been a de-transition, for most purposes, it was a transition, just like your transition, with all the same insecurities, regrets, fears, and confusion. Being a binary woman, I also feel that my past may make it impossible for me to ever release some of my baggage and 'just be a woman'. So, yeah, I get it. Having no Y chromosome does NOT exclude me from the very same concerns, not even after vaginal reconstruction and over 5 years of HRT. I am taller than most women, due to T and HGH dosing, and in utero progestin exposure also impacted my brain structures. If anybody ever wanted to create a pseudo-transwoman, I know a good recipe, lol..
So, it seems to me, that your question requires several different answers.
How does full transition end?
Well, I dunno. Mine is still a work in progress. Though I am rarely clocked in real life, even at my height, I feel I am vulnerable in pictures and print. When I am in front of a person, they see the woman I am, in my gestures, facial expressions, in my eyes, and they hear it in my speech. When I walk, I walk like a model. When I move, I move as a lady moves. There is nothing 'male' left to see. My dress is appropriate for my body and disposition, and my makeup flatters without drawing attention, while also disguising the T damage done to my facial structure.
But, from certain angles, in certain lighting, my need for a type III forehead reconstruction can become clear. Without the benefit of seeing me and hearing me and knowing me, a picture can lead to being read as something other than female. Sucks, but true. Same with when I am writing something detailed or intellectually involved, I use metaphors and syntax that very feminine, cis women, with normal lives, do not generally use. Thus, raising a red flag, and causing suspicion in a trans-spotter's tiny little mind. The amount of exposure that trans people have been getting in the media has made life much harder for me than it would otherwise be, but that's another story...
So, when does a full transition end?
Well, the physical aspect ends when all options to improve one's appearance and comportment have been utilized.
The mental aspect is a continuing journey until one just never thinks about it, and one has over-written the past-life narrative with a new script. I am not sure if this is possible when living among those that knew us back then. If I had a wife and kids, bless them all, how could such a situation ever allow a complete release of past perspectives and realities? You will read a lot of posts where trans girls complain that their wives, if they stay married, are impediments to their full new self-realization, whether deliberately, or not. There seems to be a higher rate of non-binary transitions in marriages that do survive. I wonder if some of these are compromised transitions rather than actually being the desired outcomes for such MTFs. I know I benefitted very much by walking away from all aspects of my past life to live in stealth in a new area. I was never clocked there, and the progress I made there was astounding in depth and scope. Now that I am living where a few people know my past, I have lost ground, and I am less secure in my self-identity as a woman. I have lost confidence, even though my looks keep improving. I will leave here as soon as I can, I miss being free of past memories, context can be everything..
The emotional aspect, well, that came after vaginal reconstruction, and the loss of dysphoria was immediate. No matter if I feel I am passing, my emotional state is always that of a woman now. No history can rob me of this truth.
The psychological aspects are still being worked out. I know my brain was impacted by T, and in utero progestin exposures, and I am still trying to get a proper neurological evaluation of my brain structures. I don't know where this will lead, but I may have to accept I have an intersex brain, regardless of the purity of my female gender identity. My guess is that my struggle with what was inflicted on me by bad medicine is somewhat parallel to what an MTF feels was inflicted on them genetically. I dunno, this is something I cannot know..
I do know that most of the things that go with a woman'a life are what happens between our ears, and then, in our immediate life.
There are other issues, issues that can be divisive in MTF circles, like retaining male privilege, for example.
As long as my ex was scrubbing the toilets while I was watching TV, was I really living as a woman? As long as we are retaining any advantages afforded by our male lives, are we really embracing and experiencing the fullness of a transition from male to female? I dunno. What I do know, is that, for me, a fully examined approach to attaining full womanhood does not include any space for intellectual dishonesty. Is it possible to be fully transitioned while still taking advantage of any women, ever? Without actually living as a feminist, will merely paying lip-service to feminist causes suffice?
I don't know the answers to these things. I do know that for me, a full transition meant leaving all the trappings of male life behind.
So, maybe that is my answer.
For me, a full transition ends when I am no longer carrying any maleness into my every day life. Not when I am pretty, not when my junk matches my mind, not when I am gendered female by others, but when I am completely free of that which once defined me.
My transition will be full when I am living as if none of that which came before ever happened.
I don't know if anything I just wrote will be of any help, to you, or anybody else, but it helped me a lot to think this through as I replied. Thank you for the opportunity to explore my own self and my own journey.
For whatever it is worth, I think you are a fine woman, already.
Missy