I get what your saying, because I went thru the same thing. In my case all that was bargaining. Once I crossed the Rubicon of HRT it was an immediate relief. I felt better, I was more confident, I started getting ma'amed more, etc. In short their wasn't a single thing I regretted. And I, like you, fought like hell to avoid it. We have to take it at our own pace. It can't be rushed. But a gender therapist who can point out where you are bargaining and support you in getting past all the deeply embedded transphobia and shame is in my opinion worth their weight in gold. The can help us cut thru the Gordian knot AND save us crucial time (and time is the one of the essential ingredients in the transition recipe). I'm eternally grateful for a gender therapist who pushed me, challenged me, and supported me just at the crucial moments when I was unable even to support myself.
A rule of thumb for finding a good therapist, IMO, is to find someone with expereince. Someone who has helped at least 3 or more people successfully transition.
Always remember. It's YOUR life.