I would say that most people would tell you that hormones would be too obvious after a period of time. If you are not planning on going full time then taking hormones would not be the best thing to do. The biggest thing that would make it difficult is the breast growth. As we have seen, even in your later years you have a potential for adequete breasts that would be difficult to hide.
What you need to figure out at this point is not whether to take hormones or not, it's whether you are willing to supress yourself after starting the transtition. In my opinion, I couldn't dream of taking hormones and starting transition, just to end up having to hide it all when I go to work, meet friends, or visit family, which basically consists of everything one does in day-to-day life. I've done that my entire life already and am sick of it.
I would suggest seeing a gender therapist and start talking about where you see yourself on the gender spectrum and what your goals and needs are to obtain a happy and fulfilling life. If you can live with hiding yourself from the world, which will become increasingly difficult once on HRT, and living only half your life then by all means go for it.