I am one who would never take any medication or consider plastic surgery, as my body is a good one and healthy even if it happened to be the wrong gender. But as I began my transition and people were perceiving me as male, the moobs were just plain wrong. Right up until they knocked me out, I kept thinking, I'm really doing this? What woman in their right mind lops their top off? None. And I wasn't a woman. And plenty of guys with moobs have them fixed. And I did.
Now I'm considering lower surgery (!) when I said I'd NEVER, EVER mess with my junk. But having a penis and balls, no matter how small, is necessary for ME.
There's still these thoughts of WTF are you thinking?! wrt lower surgery, but then I think what the ladies go through to get their proper anatomy and think, meta is nothing compared to what they go through!
You just DO IT. Because you HAVE to. Don't get top surgery if you're not sure. You may never need or want to have it done, but you may change your mind as you transition. Nobody says you have to do anything to transition. Your body, your decision.
Jay