I still live my external life as male even though I've been on full doses of hormones since 2009. It's my choice, although I know I'm female in my heart, the circumstances of my life mean that I can't live in the way that I want to, at least not all the time.
It's not the easiest way to be, and it requires a lot of soul searching, and I think I've reached the point where I feel I am almost beyond gender. All of my friends see me as female, but my family, employer etc. still see me as male.
Summer is difficult because it gets hot where I am and I have to wear tshirts, so it's difficult to hide B cup breasts. Winter makes things a lot easier, because I can wear a jacket. I think the hardest thing for me to hide is my butt - it's hard to hide even in kind of baggy jeans because it's very round - 40 inches around - and I weigh 150lb at 5'8 so it's quite big for my frame. It's definitely not a guy's butt. Three years of HRT really went straight to my butt, since it started at 35 inches with me at 180lb.
Even in a baseball cap, jacket, and baggy jeans, I'll get called she by people a quarter of the time, and the other quarter of the time, people just don't know what to gender me as, at least until they've interacted with me for a bit. The other 50% of the time I am called a guy. Interestingly enough, EVERY time I fly, the cabin attendants will always start off calling me madam, miss etc.
It's kind of difficult going out sometimes, because I get a lot of stares even dressed in full male clothes, ski jacket, baseball cap etc. because I don't exactly look all that masculine. I feel like I'm in drag most of the time.
As Alainaluvsu said earlier in this thread, "keep in mind you may reach a point where you're scared to go out as a male, because you'll get more funny looks if you do!". It definitely is true in my case.