A long long time ago in a galaxy far far away.... OK 1978 in NYC my wife started her experiment. She has been stealth from day two? As others have said, it gets complicated. The easy part is slightly modifying your childhood, tomboy,dad always wanted a son etc.. That works for most social interactions. If you happen to come across someone you really really like and the relationship grows, pre-op for sure the truth comes out. Post-op so-so. When it comes time to meet the family, there eventually will be slip ups. Have no doubt about that.
All of the older women in my TS group, by default, they are not stealth. They all had lives and careers going for them before transition. The younger crowd (<20), all pretty open. (Amazingly, like totally so, compared to my mid 1970's paradigm). MTF's have some hassles. Guys are like that, especially in hillbilly country. The FTM's really no issues at all.
The biggest complaint from the older ones, lack of intimacy. Several totally fantastic women who would love to have a man in their life, do not. If I weren't a few years younger, not totally in love with my wife and best friend of some 30 years, and... didn't have a few issues of my own, rearing again, oh yeah, also rule #1 of our group, it is not for dating, I'd be more than eager to try to worm my way into their hearts as I did with my wife.
The moral of the story, it may be very difficult to find love with a "normal" guy if you are a public trans. If you are stealth and do, but don't fess up, the outcome will likely be the same as for most of us that tried to keep our deep dark secret from our wives. The situaation tends to explode in our faces when they find out. Even if they always knew, things may end badly. But at least you cannot beat yourself up over it, IMHO. I tried both ways during my years of trying to be "normal". I felt better about the one, like 6 year, relationship ending with the woman that always knew vs the one that didn't.