I was stealth for the first year of my transition, while being on HRT. One of the things I tend to tell people is, "it was a bad idea and I would do it differently if I had the chance." But if we're being honest here, there's a lot of things I would do differently in my transition, now that I've been doing it for 5 years.
The first big issue is, being stealth means you are jumping right back into a different closet. Anyone who does know, is dragged into that closet with you, and it tends to court resentment. Being closeted has demonstrated negative effects; even with queer people who have supportive families and smooth coming out stories still have PTSD from spending time in the closet. There was a scientific study about it in the gay community, I think I found it through Dan Savage's Lovecast.
Second, the stealth closet seems comfortable and it's sometimes harder to leave because you know there's likely no turning back. Maybe you're in college, or raising kids, or just married or just at your new job, there's a million reasons you can find to postpone truly coming out. I like to think of this as the getting in uncomfortably hot or cold water; you can pop right in and have to get acclimated fast or you can do it over time, as long as you actually ease yourself there.
Lastly, you need a timeline for when you won't be in the closet anymore, having a light at the end of the tunnel is crucial. You know you're working toward a goal, and you're motivated to get your support network ready as well. And remember that it's ok, sometimes we need a little momentum to leave the comfort of anonymity and become our true selves.
Try taking a baby step and tell one person you know offline in meat space. If you can make the plan, and execute it within a month, it'll show your therapist that you're not just hiding. Not that there's a problem with hiding, it's legitimately scary for queer and trans folk right now. Still, I'm out to everyone I know and I went through an agoraphobic phase, so I think that if I can do it, you can too.
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