I had a conversation on-line with someone who went all the way M2F, including bottom surgery. She was giving me some advice and told me that if someone is a true transgender, then cross-dressing will never be enough. That's turned out to be true in my case, I want more, to live daily as a woman and dress 24/7 without hiding anything. I've taken the first steps and a great weight has been lifted from my shoulders.
That said, I know there are many out there who wish to keep "the best of both worlds" and I totally respect that. I just know it's a balancing act that only worked for so long for me and something had to give. I didn't want the cross-dressing to be kept hidden forever like something shameful, not did I want to be discovered accidentally or outed by anyone else except me. I feel I've taken control of my life now, it's not a runaway CD train anymore, I now have the chance to reinvent myself. I'm slowly coming out now, one garment at a time.
Good luck to all on this journey, whether you decide to transition or not.