I have never had a problem with having a penis, just being a "man". I have always wanted to transition and intend to get FFS. I have been on Hormones for maybe 6 years. I will probably get an orchi, though I could afford the hole shebang, (pun intended). It just doesn't seem like a necessary step for me. I could see how it might make it easier if I should have to go to a hospital or senior home at some future date. I avoid being arrested. But all the reasons that I can think of to get it done are for the comfort of others, not me. I would keep my "M' status even if I had it because I want my wife to be able to collect social security based on my earnings and non-Federal recognition of gay marriages might leave that problematic. She would back whatever I choose. Our current sex life involves touching, kissing, oral. I have had male lovers in the past (I am a serial monogomist) and seem to be able to satisfy all with what I have. Certainly, if I could just swallow a pill and wake up tomorrow "changed" I would do so. Sorry if this is a bit rambling.
Now, how do I cope. I have a wife who loves me totally. We are BFF's, sisters, lovers. We check out guys, sometimes, and compare notes. If he is really hot, our special phrase is, "we share!" Of course we would never attempt it. I switch to female mode around the house, and do as much in public as I can. I manage to hang on to a well paying job that allows us to live, save, and still spend a significant amount on clothes to find my "style." I would like to transition completely at some point, after FFS, and have the Orchi mostly so that I can decrease the hormone regimen. Losing the extra baggage wouldn't hurt. I firmly believe, as do my shrinks, that I am fully transsexual.
When I look at the stats on the financial outlook for Transsexuals it is frightening. I saw a study in San Fran, on transsexual incomes in that bay area and it is far below averages for people with similar backgrounds. Sure, some do well, but not on average. I have watched a number of people in my support group go full time, lose jobs that they were "sure" they would keep, and are now living full time in abject squalor. They certainly cannot afford any of the extremely expensive operations, treatments, etc. that would allow them to fit in.
I have lived financially secure, as well as poor. While I don't need to be rich, I prefer being secure. Far easier to maintain a long term relationship, health benes, and maybe even retire someday. I can actually make a choice to transition or not, while having food on my table and maintaining my little family.
The reason that I have been prattling on is to flog the stodgy, slow path. Get an education, get into a profession or trade, establish business networks, have friends and lovers that accept you for you. You may find that success takes the "edge off". Take hormones, be yourself on weekends, see if the middle way works for you grasshopper. Maybe it won't. Just listen to Your heart and not what someone who claims to be a "true" transexual says. My way wouldn't work for others, don't claim that it will. But I do believe that a middle path is possible for many. Sorry if this is preachy, I certainly believe that GRS is appropriate for some, but for many 90% of what they want will be enough, financially and socially, to get them through.