Hmm, old-ish thread.
My update, I have started T. It was what I needed to do, in the end, to be comfortable. My need to be male-ish (even though I still cringe a little at the term MAN) steamrolled lingering reservations I had. So far I'm extremely happy with my choice (and relieved).
@Androgynoid
Like the others have said...the voice changes pretty quick. I've been on half-dose T for only 5 weeks, and my voice is significantly lower. My singing voice is completely gone, and I've started that thing where my voice will just sort of...stop, mid word. It's amusing, especially to others! But yeah, there's no way I would be able to talk in my former voice even at this early point. It's just physically not possible (without training, I suppose).