Well, the OP already started T, so that's in the past. Let's not badger him about what he should've done; that's unrelated.
As for health habits, the risk lowers, but like all people, doesn't go away completely. Plus, staying away from fat isn't necessarily healthy. Your body needs fat, too, you know. That's why our cells are covered in a LIPID bilayer.
Anywho, all tangents aside, of course, a female body will react differently to a male body in terms of dealing with testosterone, especially an older one. However, starting early can reduce health risks, too (don't know the OP's age, so that might be irrelevant).
The best I can tell you now is to continue with your healthy habits and have regular doctor appointments, going immediately if something feels//looks wrong, such as having yellowing skin (jaundice), a sign of liver illness.