hi christine...i think you've taken what should be the first step...that is seeking a therapist. that's probably the best tool you'll find for sorting these things out.
i hope i don't get into trouble, but i think, it's just my personal opinion, that one can successfully live as a woman without having grs. it's not optimum of course, but as i was sorting my way though all these issues i saw a way of making that work. i know, too, that when one first hears about the cost in dollars of transition and grs it can scare the heck out of you. at one time i thought just like you...that's not even a pipe dream!
but, you know...if you put your mind to it...make a whole lot of sacrifices you might be surprised at the real potential of it all. on the day of my transition grs was penciled in as a destination so we began living a lifestyle that we thought would eventually make it a viable option. for me, breast augmentation, ffs, even a trac shave were considerations for the future, grs was far and away the most important to me. now, i don't even think of those things, i've found that grs is way more then enough for me.
but, i'm getting way ahead of myself. it's with your therapist that you can sort this stuff out, get your own priorities in order...set your own boundaries and see where you realisticaly can go.
as far a being a virgin goes, so am i.....but i know a lot about love and intimacy. wishing you Godspeed on your journey and may He bless you with...