i appreciate all of your replies
as far as joining a group or club, aside from not having the time or money for most things, i realized i'm not sure i'm ready for something like that. my limited experience with groups, classes, etc over the course of my life has all ended up the same way: with me feeling very much alone, awkwardly out of place, self-conscious, and not making a single friend. even if i enjoyed whatever the group was about, it never extended beyond that. and this was all before starting transition, before the whole idea of being trans ever came to light. now that i'm in the middle of that, it feels even worse. now i have to add worrying about "passing" or people finding out. i have less confidence nowadays than i've probably ever had in my life, and i never had any to begin with. i wasn't even allowed to.
so the thought of joining a group full of strangers, where all eyes could be on me expecting something and putting me under pressure, is stressful. especially if i'm going to have to pay money (of which i have almost none) and take time (of which i also don't have enough) to do it. so now i have the pressure of not wasting those things on a bad experience.
it might sound like "social anxiety", but it's not really the same. i love interaction with people. but if past experience of being part of any kind of team or class has taught me anything, it's that i don't belong in groups. i'll always be the odd one out, the one nobody wants on their team, etc. you're either alone anyway, or there's this pressure to bring something worthwhile to the group. i don't have anything worthwhile to bring, so i'm going to be alone.
that's what it feels like from where i'm sitting, anyway, and what my experience has shown me from childhood up to my present job. making friends has never been my strong point because i don't fit in anywhere, even when i'm doing something i like. it's the rest of me that's the problem. once people get a glimpse of that, they go running.
i think the only way for me to make friends is by having the opportunity to talk one on one with someone, without any pressure, and bond over personality and interests. but i don't see any way, outside of online forums--which leave my options for real-life interaction pretty limited--for that to realistically happen.