Iv'e actually wondered this for a while now. In mtf is it the presence of E which makes you gain a female patterned fat or lack of T?
And for ftm's is it lack of E which makes them lose their female fat pattern or presence of T?

Both.

Estrogen distributes fat to the thighs, hips, buttocks, and boobs. T piles fat on the waist.

how long does it take for this distribution to happen? I know results will vary. But what was your time frame? Also of late I've been feeling really hungry, does E have this effect on you?

Within a years time I was pretty curvy, and thats with imperfect dosages until september where we figured out the right formula for me (so about half a year)

And thats starting at 26 so I am sure if you start younger you will look even more wow >.< -jealous-