I definitely delayed transition because both me and my SO felt that I could never pass. She, in fact, said that I would be like Arnold Swartzenegger in drag and make a spectacle of myself. So I lived for years as in an androgynous presentation with a long pony tail which made me look very strange. More like a aging flamboyantly gay male than a woman. I got looks constantly from strangers because I was such a sight.
Then one day my SO gave me an ultimatum, get my hair styled in a woman's style and start full time or she would stop supporting me. She also said, that if I did look ridiculous, it could be the end of our marriage. Imagine how it was for me sitting in the stylist chair wondering if the result would end my marriage. When she saw me, she said that she could live with it as she said I was very convincing.
What I found is that even I am very male looking in drab, I could get to be passable and now pass most of the time. If you saw a photo of me in my old persona, you would say that there would be no hope for me to pass.