If you need to transition you will regardless or likely be be miserable for a long time and do it anyway and likey lament the lost time and teh life that has passed you by...
The times are now much more accepting than they used to be so 100% passing is not needed for survival...
I say these things from experience. Even though I wanted to be a girl from some of my earliest memories, my physicality was such that it seemed impossible by teh time i got to high school... and times were MUCH less accepting than now...
So I buried it and tried to get in in life... But I did not do that very well and made things a lot more complicated both physically and emotionally... and then I wound up transiting anyway at 42... and it's now 20 years later
I am not and can never be 100% passable and i knew it ... but I could not go on living without trying and hoped for a miracle ... I did do better than I thought I would in the passing department, but not where I felt I needed to be to have the life I carved...
But even with all the feelings around that, I am in better shape than I was before ... I have been able to keep a professional job and I am not alone (though that is complicated)
My point is you need to really be honest with yourself about hope deeply you need to transition... Emotional needs don't pay a whole lot of attention to teh rational mind... If you REALLy need to do this "resistance is futile" if you can assimilate complete or not... so waiting (unless it's with very specific plans to make the money for SRS, FFS etc) will hurt things more than they will help.
If you don't REALLY need to transition to be happy, if you can be at peace with yourself without it, then by all mens don't do it... It complicates life immensely... Check on the thread on the post-op board about staying stealth or not.
The fear your feel is reasonable and healthy, as long as it does not control everything, as it allows you to go into this with eyes wide open... But living your whole life in fear and always wonder if if I had... is really really not.
- Karen