I came about my top surgery in an unusual way. I knew I was trans but didn't think I could transition for a variety of reasons. I ended up getting a breast reduction thinking it would ease my dysphoria enough to make living possible and it would be covered by insurance. Surprise to me when it actually made things worse... I started on hormones 6 months after that surgery and at my 1 year post op appointment, I asked about a "full" chest masculinization surgery.
However, I 100% relate to how you feel. I ran into this mental roadblock heavily with bottom surgery. For me it came down to a few things - cost, fear, and my lack of patience.
It still bothers me how much my family has had to sacrifice for me to have had surgery. I don't take those sacrifices lightly. None of my transition has been covered by insurance.
Fears - I had a lot. Would I even be a candidate? What if it didn't work out well? Would it quench the ache of dysphoria enough for me to be "ok"? If it didn't, what then? Bottom surgery is, realistically, the last thing I could do to be ok, and if I wasn't, then what? Would the total cost be too much to save for? Basically, for me, the hope that bottom surgery would work for me, I'd be a candidate, and that I'd have a good result felt better than the finality of knowing it wouldn't or couldn't (if that makes sense).
And lastly, my lack of patience. I knew if I found out I was a candidate and the cost was realistic, my drive to see that through would make it more difficult for me to put it off.
So... I hesitated and I didn't want to make the call or get a consult, I didn't want to entertain it because of all the reasons above.
You aren't alone in feeling that way. Even though it's something you want and something you need, sometimes that makes the pressure even worse.
What forced my hand? My wife. She is super supportive and encouraging. We've been together 11 years (I've been transitioning for almost 5) and she has never batted an eye at anything I've thrown her way. But she pushed me to take the steps she knew we needed to take. I don't mean that in a way that she forced me into something I didn't want to do, I mean it in the sense that she helped me get over my fears to take the first step. That's not a great answer, I know. But you will feel so much better after you've taken the first step.