Thank you everybody for taking the time to respond - I wasn't expecting so many!
Zenda: I think what you said about transphobia phobia is very interesting. What I've found as hormones have made more and more changes to me, is that my desire to step into the world as female has become more and more overwhelming, yet the fear has also become greater and greater. As I said there is safety in presenting a male image in public, and that feeds upon itself in the way I see myself in the mirror, and leads me to the occasional very powerful depressive episode every 4, 5, 6 or 8 weeks. I don't want to one day experience a moment of irrationality while I am depressed, because really suicide is useless, and there is too much to live for, too many things to see in this world. This is why I have gone to see that couselor, because I actually like my life, and I am very grateful for the things I do have, and the things I am able to do - aside from the negative self-image - and I realized I needed help to find ways to overcome these self-doubts, and to embrace my uniqueness. And you are right, I will continue to seek counseling, even though it is costing me a lot of $$$. For three years I thought I could figure eveything out on my own, especially after I'd spent 6 months seeing another gender counselor (who was wonderful) at the start of hrt 4 years ago, but she retired.
PoisonEnvy is correct in that I do feel that I have body dysmorphia, although it isn't as bad as it was prior to hrt when my body was less feminine. I don't want to get into the whole thing about whether or not being trans constitutes body dysmorphic disorder, the whole being born male as a physical defect thing vs body dysmorphia as a condition where somebody hates aspects of their body that are not defective. To me body dysmorphia is an obsession with one's physicality, and an overwhelming, almost debilitating desire, to change those aspects the person is obsessed by, which is exactly how I often feel about my body. In this I agree with MadelineB, who put it more eloquently than I am able to.
At the start of hrt I had this whole idea of going to get full FFS, breast implants, hip and butt augmentation, liposuction, srs, and even leg-lengthening to even out my proportions! I'm glad I didn't have the money for any of that, because I now think I would have emerged a plastic-surgery wreck if I had. Now I don't want any type of surgeries, aside from srs, and even that's a long way off given that in the past couple of years I've tried to get away from obsessing about transition related stuff, and just spend my money living my life and doing the other things I have always wanted to do. I do want to keep my appearance as natural as possible.
MadelineB: I do need to learn to accept myself and realistically view my appearance, as you say you do. It's difficult though, at times, especially given my disposition towards suicidal depression (diagnosed) and perhaps bipolar (my own diagnosis), which I have been fighting and coping with since I was 13. Depression doesn't stop me from doing things - usually - but there are indeed times when I will waste a week every 4 to 8 weeks in this pit of despair, where all the negative things about myself and my body are magnified, and I force my myself to acknowledge that it will only last for a week, after which I know I will be back to my normal self. When you say you shake your head at how I feel, given that I have an androgynous haircut (I wouldn't call it a man's haircut) don't wear makeup, and wear men's clothing all the time, and still sometimes people will see a female. I can understand and respect that. The logical part of my mind tells me that the way I feel is absurd to me as well, but we are emotional creatures, and logic doesn't always dictate how we feel - everybody has their own unique challenges - something that is a life-shaking issue for one person may be a non-issue for another person.
SunKat & Elspeth: Yes the stuff with my partner and how she expects me to be is one large issue, and I think it does relate to my self/body image. She and I have been together for 17 years, since we were teenagers, so it's hard for her, even though she told me from the very beginning that she liked me because she thought I was 'pretty' and always told me that I'd make a cute girl - but of course, she never thought that that's what I actually wanted! After all, there's a difference between being a pretty boy and being a woman. It is something I spoke about at length with my counselor, and we will continue to talk about it in our next session. Yes, I have taken what the counselor said about confusing me for pre hrt f to m as something very positive, and it has bolstered my mood no end, but still, there's that grain of salt

.
girl you look fierce: Yes I also agree that the way a person sees maleness / femaleness varies from person to person. It's always baffling to me how somebody can see me as male one day, and another day somebody will see me as female. It's a very strange place to be. I just thought it was odd that my counselor would see me as a non-testosterone f to m when she has counselled probably hundreds of trans people over her career, and as such I'd expected her to have a better transdar for want of a better word.
Thank you for all of your responses!