They say the in-between stages are the most difficult. It certainly has been for me.
I'm pre HRT but slowly morphed into living full time over the past 18months. I try to present like every other woman in my age group and for the most part it has worked. Blending in as much as possible whilst giving enough clues to get gendered correctly. If I try too hard I loose confidence.
It just takes time, I don't think you're cowardly, it's a big step. Lots of kids are scared of water the first time they go to a pool but given some time and practice they end up swimming like fishes

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Take as much time as you need, be kind to yourself. I find that when I'm ready I tend to act regardless. By that time I've usually done all the worrying, all the thinking, cogitating and 'what if's' to the point that it's just easier to walk out the door as my true self. It's then I find my peace, relief and strength to move forward.

Peace and love and all that good stuff,
Sadie