Hello Angel.
Few facts for ya.
I know of MANY tall transgender females, your 6'5 is not really a disaster.
I know of many older transgender females I am 51 and I am not one of the old ones

38 you have lots of time.
Debt load, ok I won't say that is nothing, but I have severe financial issues, I am disabled. But even that has not made things impossible.
You have social anxiety, me I suffer from pessimism which is basically as bad, just different source. We both have to fight it.
Ex wife and you still live together? Hmm ok the financial angle is no issue, but she is an EX wife, stop listening to her. I mean what is she going to do divorce you? Odds are she needs you as much for financial angle. I sure hope you are not STILL giving her money though. She's an EX wife. Start putting the money in YOUR pocket.
It sounds like you still have family and friends, excellent. Let them keep up your spirits.
Ugly? hehehehehe oh come on now, I thought I was too, and yesterday I found out I wasn't really that bad. Stop beating yourself up for goodness sake. Truth be told, the most ugly women I know, are all cis female too. And I know some really good looking transwomen, and I have seen them at the start of their journey and just a year later, they don't even look like the same people at all.
I know depression, serious hard core depression. And most of us here have felt it too. You are so not alone with your worries.
Try not to gulp though while here, there might be a lot to take in here at Susan's place. It's like giving water to a dehydrated person, not too much too fast.
But I think you will find what you need here, give us the chance to show you.