Not sure where you got the 100,000 price from... Most of the better US or Canada surgeons are around $19,000 for the single stage inversion GRS. Now for the FTM its around $50,000-$70,000 for there Phalloplasty but thats because of multi-surgeries.
Orchies are around $3-5,000 and most just need 1 letter.
Izzy