Tsukicat, you really need to stop worrying about being passable if you start hormones and start worrying about what will happen if you don't.
I only went through half of male puberty when I was 14, and when I was 17 or 18 I looked a lot like you do now. I was 5'6" and 120 lbs. it says so right on my first driver's license.
When I turned 20, the second half of puberty hit. I gained 25 lbs, all in the chest and shoulders. I grew 2 inches taller. I got a lot hairier and smellier. My face got bonier. I got three creases in my forehead.
HRT corrected a lot of that, FFS will fix some of the rest, but I cry all the time over not having been able to transition when I was 19.
HRT actually does come with one guarantee: it is guaranteed that if you do not transition now, then change your mind later, the results from later will never be as good as what you will get if you start now.
You assume that living as a man will be better than being a nonpassable transgender. As a man, I always had friends. I had the same geeky crew of bros since high school. I still have them and I am 55 now. I had and have lots of friends in other places too. I was always successful. I studied aerospace engineering in college and after college I went to law school and became a lawyer. I was a successful amateur bicycle racer. I drove Lamborghinis and Ferrari's on the race track. My personal ride was an Acura NSX. I married two beautiful women and I am still married to the second one. I have two great kids. Both of them are lawyers.
But inside, I was never happy. And now I am. Even though I am not completely passable. Even though I get some stares when I walk down a courthouse hallway. Happiness does not come from what you have. But you try to make yourself happy with external things when you have gender dysphoria. Happiness comes from within. And no matter what happens outside of me now I hold my head and shoulders high because my happiness shines from within.
Now, one more thing. I know a sixteen year old girl. Cisgender and stunningly beautiful. Half white, half Asian, and working as a model in Asia now. But no one asked her to her high school prom, because she can't carry on a conversation. Talk to her and all you get is one word answers. Being beautiful, or passable, will not get you friends. Being yourself will get you friends for life.
Stop worrying, and follow your heart.