Yoxi:
Great thread you started here, hon, and the dialogue between you and the other posters is great. This is a way fun read. Thanks for making this thread.

Don't know if this will help you any, but I'll try, okay?
While I don't know your situation, from what you say, we have much in common. Hey, I did not take my first dose of HRT until 1.5 months after I turned ... age 54. Late start? Heck, yes!
Just like you say here, I knew it was a Catch 22 situation: Transition? Darned if I do. Darned if I don't. Well, in 2 weeks, I'll be 1 year and 4 months on HRT ... but only 6 months on full-fledged hormone replacement therapy. See my avatar pic? That's at only 4 months on full-tilt hormone replacement therapy. What's my point?
My point is that I know I don't pass and get very bummed out about it. Also, there are many obstacles to my going fulltime none the least of which is 9 lives depending on me financially (not counting myself), and out of a sense of responsibility, duty and maturity (my parents' generation (The World War 2 Generation)) believed in and taught me that putting my family's needs ahead of my own desires comes first.
So, I'm not yet fulltime. I'm only now starting beard removal in about 2 weeks. On and on it goes. I won't bore you with the details. I'm just saying that I KNEW things would be a wild ride once I started to transition, and they are. Also, it's scary much of the time. Most nights, I wake up at about 4:00 a.m. and just lie there and bum out.
However, I go on anyway. Ultimately, I'll be much better off. Mid-transition (the "thing" stage) is a bummer, hon. Don't let anybody tell you it's not. That's right where I'm at right now, and it's a drag. However, it's worth it.
Keep the faith. Do what your heart tells you is right for you. Trust your inner voice. Finally, remember that you've got friends here at Susan's Place albeit E-friends. We believe in you and want you to be happy.
Peace & Hugs

Lacey
Postscript:
Radio Head? Girl! To each their own, hon! That's way cool.
As I write this, I'm listening to:
(Song doesn't actually start until about 25 seconds into the video.)
Music from my very late teens still makes my day ... Peace.