This is exactly how I feel. If I were 20, 30, or even 40, I'd definitely pursue bottom surgery, but at 63, I think the risks are too high. The FTM surgeries have a very high rate of complications even for younger folk, and as we age, we don't heal as well. Add to that the fact that the results of those procedures, even when they go well, aren't all that great compared to what I've gathered is possible for MTFs, and, no... I don't think so.
Given that what you'd want isn't a "standard" procedure, no surgeon will be as comfortable with it as they are with those they do all the time-- which, again, could raise the risk of complications.
And, yeah -- I have only so many years left to enjoy finally being who I am, and I don't want to spend that time recovering from complicated surgeries.