I really dont think you can put a "blanket" answer on this.. My experience is that people dealk with GID in different ways. Some need different things than others. Everyone looks at themselves through a different kaliedescope, so there is no way way to say if it is "Worth It" or not.. Personal Choice,, whatever makes you feel better about who you are
I've seen TS's that have transitioned simply by going full time,, no HRT, Electro/laser, anything! but they are happy becasue they see themselves as the percieve themselves.. I also have seen others where there is no end to the modifications they would make..
Its all about the balance,,,,, balance to look how you feel most comfortable..