+1 to banking if you are wondering at all. I was thinking exactly like you: not really sure what I will want in the future. And it is better to be safe than sorry down the line. Peace of mind is very important... Anxiety is the worst kind of enemy in life, and luckily it is easily avoidable for this kind of thing.
If you are only one month in you should be just fine

but do it asap if you decide to go through with it, because you don't want to have to pay more money to add more samples if they don't get enough the first time.
I'm located in LA and the initial + 1 year of cryo ran me about 1K (450 for the visit+bloodwork+analysis and 500 for one year of freezing). They were very trans friendly and called me by my new name even though I am basically just starting my transition and still present as a male. Bottom line, you will be very happy you did it! I was ecstatic to hear the next day that the sample I provided was loaded with healthy swimmers, I got 10 vials out of it! I guess it shouldn't have been a surprise because it was only day 5 on HRT. They would have charged an additional $120 for each additional sample.
Best of luck to you!