It's a good questions -- or at least, one I've thought of many times myself.
I've never been suicidal ... not quite. Very depressed, for lots of reasons, though gender being the most important. I've dealt with that. Mostly. It's not life or death for me. Well, for now. I'd really rather not let it get to that.
For me it doesn't get worse every day. It gets worse, that is, just not every day. Some days I just think to myself, "the hell with it, living as a guy isn't so bad, is it?" It's just that I have fewer and fewer of those days as time passes, and more and more days when I think, "Yeah, it's pretty much terrible, who am I kidding?" I see it pretty much the same way Nikki does I guess. A daily litany of little bruises to my soul, most not very painful in themselves, but that taken together become an increasingly heavy burden to carry. I do what I can to lessen the pain but it only works for a little while.
As far as the negatives go, I think you've barely scratched the surface. (But you know that, right?) Time, money, friends, work, health, the enormous amount of effort it takes ... it takes some major determination (of whatever sort and source) to even consider it. Where do you stand? -- well, who knows but you?