Ann45, I am a year older than you, but started a slow drift into transition about 16 years ago. A little while ago I decided I want to finish it as long as I still can live a life as a woman, and talked to my therapist, and she said that I am mentally so much a woman already that she will help with all she can do to get my body into it, too!
For me getting all the way is the goal, including bottom surgery.
But everybody is different, and everybody has to find their own path. You therapist seems not to understand that the main goal is to make you happy and that there is not need to follow their ideology of what transition has to be.
You might want to look for a new therapist who is willing to help you to be happy!
Good luck!