Well everyone said the basics already. Everybody reacts differently over time. My observations:
Body hair as in back chest belly, nearly all faded back into vellus hair. So thin short and basically colorless. A small amount gets darker on my chest so I will still shave it and my lower middle back but it just takes a quick slide over with a razor. It's not really visible but still bothers me. I lost the lower tummy hair so my pubic pattern is now just triangular.
Facial hair: it grows much slower but requires laser and electrolosis to get rid of it.
Leg hair still requires shaving as do my forearms because of darker hair that remains there.
After a year now my skin is incredibly soft. Although it makes cutting myself with a razor much easier to do. Body fat changes over time. My face filled out and softened. With gaining some weight my thighs and rear padded up some.
Muscle changes are significant. Shoulder, neck, arms all shrank. My lower legs are now thin. My abdominal muscles shrank and loosened up a bit so my belly fat all sort of just dropped all at once. I'm finally liking my body some for the first time in my life. I need to loose some weight. I don't mind what I gained on my thighs but I'd like to loose a bunch on my belly.
One thing that I have found most disturbing though, my nails now break and tear so easily. Boy nails are literally togh as nails. Now that I want them to grow out, it takes very little to break one. Definitely keep a nail file handy.

I don't pass all the time for certain, but it's getting better. When I first started hrt though and dressed in my old work uniform I started getting people who thought I was FTM. 🤔
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