I would not worry much about hormonal changes on hair - with proper HRT, the hair should not fall out!
Besides - AFAIK, the method of FT harvests the hair much further back than other surgeons, the disadvantage of this is that the eyebrows cannot be raised as much, though. They do have two ways to harvest the hair though - coronal or further back. There is an article describing this.
I think the part about compensating hairline raise with transplants is partially correct. With a coronal incision and forehead work, you usually have to take out a strip of skin to tighten the skin of the forehead and raise the eyebrows a bit. So with a coronal incision, you always will raise the hairline a bit, unline when using the hairline incision, whichlowers the hairline. However, this effect mainly happens at the center of the hairline. Lowering the hairline in that area would actually make it more M shaped, raising the hairline in the middle makes it more O shaped. Acoording to the hairline shape theory, the shape of the hairline is a stronger gender marker than actual height of the hairline. The transplants in the case of FT are then used to further round the hairline and also to compensate a bit for the raise of the hairline overall.
The price is clearly higher than with other transplant doctors. I am not sure why - my thought is a) they can charge more for it as patients will often want to have it in one go and not another surgery - also they do not want to waste the hair on the strip that is taken out. b) they have to work faster on the follicles as basically the strip is taken out during surgery and transplants are done right after surgery, so the timeframe is short and the planning has to be tight. Also the whole procedure is long - if you get a full FFS and start surgery at 9 in the morning, the surgery will be over in the late afternoon, afterwards the transplants start. This can probably take until 9 in the evening, so the people working on the hair have to be paid overtime.
The price itself is higher, but the benefit is that there are no additional costs. If you do it separately, the only way you really save money would be to find a local surgeon who does it and who charges less money including anaesthesia. If you have to travel for getting those additional transplants, flight and hotel costs will drive the price up as well.