Startdust .... my my, you were quite lucky in the breast lotto of HRT ;-)
SO, I did end up choosing a pool and all and I've gone swimming a couple of times now. Currently have bad cold or it would be 4 times.... My little story -- ok my medium len story:
I won't bore you with all my prep, but I settled on a plain black one piece suit. "Racer" styled, with a low back with crossed straps from the sides, but fairly high and square bust line). A regular suit, no attached skirt or the like. No padding or built in bra. Made by TYR. Turned out to be a wise choice for several reasons.
I had already bought a month "pass". The pool that I went to is the one I likely will use the least (Mercer) - just in case there was trouble. A gal pal described the locker room situation well. I went in the morning around 9:45 am, figuring it would be pretty quiet. That part was not quite true, not "full" but every lane had a person etc. There are two women's locker rooms and I went in the farther one, hoping it might be less occupied ("B", important later). Indeed it was empty, got out of my clothes ( wore the suit under my street clothes), rinsed in the shower and put on my swim cap. Went out, signed in and found a place to put my towel and locker key. As I walked toward the pool a nice woman called out from the third lane in, that I should join her as she was nearly done. You have to ask to share a lane. Saved me from having to choose who to talk to

She was very sweet to me, told me she was only doing another 300 yds, then I could have the lane to myself. Chatted just a little. She looked to be 30ish and quite a good swimmer. Around us were mostly guys, so I really appreciated her offer !
Started swimming and everything worked out fine. I could not quite keep up with my lane mate, but it didn't matter as we each used one side of the lane ( we are supposed to swim in a loop, staying on the right, but then you have to swim at the same speed). When she got out I realized she was wearing these tiny little swim fins, maybe 4 inches out from her toes, very cute! After she left I noticed the pool was getting busier. Almost all women coming in, and all much older than I. I swam for another 20 minutes or so and decided it was time enough. Just getting back in swimming shape, so 40 minutes was plenty ! I also realized that the water exercise class was nearly done I wanted to try and get into the locker before 'em, so I could stealth out.
Now came the first real problem. When I went back in I showered off, to get the bromine off of me. Then headed the locker areas, but I guessed wrong about which door (they are not marked). Walked into the "A" section and there was about 8 women getting undressed. I beat it back to the shower to let 'em get a head start. Both because of nerves and because there wasn't really much room (each locker area is pretty small, maybe 15 by 15 feet). One problem with my plan was that all my clothes were in that locker. I could go in and put them on over my wet suit - Gal Pal and others have said that is not uncommon - but I didn't want to if I could avoid it. After a bit I went back, they were still there ...arrggg... chatting away ! Started looking for my locker - I didn't want to keep walking in and out ... While in there I noticed that the locker key number was way off those in that room .... realized it was the wrong room. Went to the other room and there was my locker AND the room was empty. My lucky day ! Changed quickly and VOILA' successful trip. Kept suit on though, just in case. Next time I went I took panties and tank top in my bag out to the pool so I can change into them in the shower. Trying to change all clothes in a shower stall wouldn't work. Would make me stick out too. It was fine.
My nerves were pretty shot, but I did fine. Tried to just act naturally and I think I pulled it off. This may work, partially due to my breast development being enough that although really small, I do have female breasts now. Tucking and taping takes care of the "rest". I looked decent, although a certain curve isn't quite right. BUT fortunately women don't stare there and I don't care what the men think. I also have a suit with a little skirt bottom, but decided it might just call attention too much (if they were already half way to reading me). It was be better to go with the std suit. Once someone looks at you and sees a woman, they do not tend to re-evaluate their opinion. The std suit really helps with that first glance. I was nervous because I do not want to bother anyone, but I also have to use that locker room. Most pre-op TS folks I know stay away from pools. This pool does not have any unisex locker rooms and the men's is a bad idea. Gal Pal's both said most women would change in a way so that they weren't really ever naked, so just do the same and no probs. Well not these ladies! In the shower area at least, everyone was completely nude and not shy about it. They said hello etc to me and I didn't see any second glances or surprised looks, so I "passed" apparently. I just smiled and talked softly - and kept my suit ON. Thank GAWD for what has worked with the speech therapy folks.
Whew.... that was the hardest thing I have done yet in full time - or likely will do for a while. I'm going to try and go twice a week, hopefully it will work out. Oh, yes I wore just a little light makeup. Just to even our my face and hide any beard shadow (1/4 way thru clearing) - natural lipstick (water proof) and no shadow or other fancies. Pretty much the same as my "daily" makeup.
One fun little bit, apparently I chose well with the suit, about half the woman there were wearing the exact same suit - the others, one very similar. Almost all black and none with the little skirt thingies.
Ta DAH !
Charlene