Hi, I am a later transitioner. I started at age 50. I have had several procedures and am lucky my employer has awesome trans benefits.
Hair, I had two sessions of hair transplants. I am thinking of maybe a third but my hair looks pretty good now. It cost $22,000 and was covered by insurance. Dr. Cooley asked what I was going to do to combat T after my 1st transplant procedure. I told him I am post op and he said never mind

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Voice, I had two procedures. The first I would not recommend and they were paid $64,000 from insurance and the second I think they were paid $70,000. My work insurance paid for it.
One thing you could do is look for an employer that pays for trans procedures. I work for a research teaching quaternary care teaching hospital.
Voice, the first procedure is called cricoid thyroid subluxation. It raised my voice from 135 to 170 HZ. my range was poor, perhaps 15 HZ. The second procedure was a glottoplasty. I was so worried for 6 months 2 weeks. My voice was very weak and hoarse. Then one day I had a voice, all at once. Every day I record a similar 1 minute routine in the morning. Each week my voice improves. It is not bad now. It has been 7.5 months and still steadily improving. My HZ this morning was 213 to 230. I was not projecting, just talking.
I will never do anything with my voice again. I was so scared my voice was ruined. Right now I am pretty happy and each day it is getting better. The procedure only raised the pitch and lightened my voice and for some odd reason I sound totally different in my head. When I listen to my recorded voice I can hear some of my old voice remnants vaguely but my voice is very different. Pitch is just one element of voice. I have a head voice only and no voice from my chest or throat. Scary stuff for 6.5 months.
Anyhow, I had a lot of work done and everything is covered by insurance except FFS. Tummy fat removal was dropped 6 months before I transitioned. I wish I knew about the benefits when it was covered. However, I do not need it now.
So perhaps finding an employer that has awesome trans benefits is an option. My employer funds the health plan, we are self insured. I work for a liberal employer in a liberal city. However, I have noticed a change over the past two years but that might be my imagination.
A bit of advice, in the end it is not about how others accept us. It is about how we accept ourselves. How we position ourselves to make friends and how we move on with our new life.
I wish you good luck.