Welcome to Susan's! I'm sure that you will find people here with experiences like you, and a community to connect with.
I don't believe you are being offensive at all. What you are feeling is very normal, and many of us would like to transition without being on the radar. It can be both a myriad of experiences to have to come out to the world. It can be exciting, terrifying, full of hardship. I wish I was able to skip the coming out part, because I had a lot of problems with my family. They ultimately got resolved, but it took a couple months and some conflict. I was living in a different state at the time of transition, so I was able to be on HRT for several months before I had to do anything. My family had no idea for a while. Moving can be a very freeing process, but also lonely if you don't build a new support group and friend circles. Ultimately, unless you fell completely out of connection with your family, to transition fully, they would eventually have to know. The way I understand stealth, it is basically living as your target gender without giving any indicators of your past to the community around you. To do this, moving would almost be a certainty. Eventually the changes that we have from HRT will become impossible to hide after a while. This is especially the case if you have been away for a long time, and people have not had the chance to see you regularly and miss the changes because they see it so gradually.
I can relate to how you feel with regards to singing. It is something I love, and for a long time I struggled with the idea of giving up singing in order to transition because I would still sound male. I eventually encountered the band Against Me!, whose lead singer Laura Jane Grace sings in her male voice regularly for the group. She inspired me to continue singing regardless of my transition. I could still love what I did, and not care what others thought about it. I'm working on a musical collaboration with a friend of mine and her band now.
To start, you have a few different routes. Depending on where you live, it's possible to pursue informed consent path for hormone treatment, and skip the therapy part if you are resolved to transitioning. If you don't have access to that in your area, then you would likely need to find a therapist that specializes in gender identity issues, and go through something like the WPATH standards of treatment. They can also help you sort out the path of transition you wish to pursue if you are struggling with the coming out aspects of transition. If you live in the states, or in a few of the countries on the links below, you may be able to find a therapist through one of these tools:
https://www.susans.org/links/Healthcare/Therapists_&_Counselorshttp://www.lauras-playground.com/gender-therapistsI hope some of this was able to be helpful, and if you need any advice or ideas, let me know.