Susan's chat is safe, many here use it and I have too with no issues from my anti virus. Don't download things and learn to use irc. You will be fine.
The gender of the therapist themself has no bearing on their ability to help you. You don't have to use a gender therapist but you do need one that is knowledgeable about gender issues. In Susan's wiki, at the top of the page, you will find names of people you can try. It will depend on your parents insurance also. Some people may not be covered depending on their plan. If you are on medicaid, then you can check from the internet.