FWIW, nobody asked me for proof of RLT. I got my T letter a couple of months after starting therapy, changed my name 4 months after starting therapy, and had top surgery 6 months after starting therapy, which could have been sooner, just a scheduling issue with getting time off work that meshed with Brownstein's schedule.
Maybe it would be an issue for bottom surgery, but since most FTMs can't afford it right off, or just don't want it, i don't know.
I think they are a bit stricter with the ladies, because I think the general population thinks it's nuts to want to lop off the mighty penis, thus making more hoops for the ladies to jump through before having SRS. And dressing feminine for male-bodied people is far less acceptable than women dressing like men; I think it's much harder for the ladies to express themselves by wearing feminine clothing, makeup, and jewelry to work if they're not out, but guys can wear what they want and nobody bats an eyelash.
Just my opinion from the sidelines.
Jay