I honestly think the next version of the SOC is probably going to incorporate the informed consent model. Honestly, my current doctor never asked for a therapist letter, he just asked whether I was on HRT (I was full time at that point). I am a strong believer of not requiring therapy for HRT, I think it is the one thing that is frequently abused by gender clinics (infamously CAHM in Ontario, which requires a year full time for HRT, and by the clinic in London). HRT should be as simple as a person asking it, and knowing what the results will be, no therapy and no requirement to go full time.
I have to say informed consent is a big reason the US may not have public health insurance, but is light years ahead of both UK and Canada on medical issues pertaining to transition. To me HRT is probably the most necessary part of transition, and one that is best left without requirements (either RLT or Therapy). I have heard to many stories of therapists abusing the system, and it has caused many people to unnecessarily delay transition.
So I would say, if you are ready, and you know the consequences, find an informed consent clinic.