Everyone, thank you so much for your responses, respect, and tactfulness; and while I seem to have come dangerously close to starting a flame war, that's nothing new.
A part of me wants to just say that I will make it past this. At this point, I can say that it's more an an aversion than a trigger or a phobia. It't not really that I can't, it's just that doing it every day for the rest of my life isn't something I want to be doing. Dilation still seems very unpleasant though-not that I have any faith in nature or biology as being supreme, but if your body is treating something as a wound, then sticking anything in it will hurt, a lot, not to mention the obscene time commitment. I've though about both anatomies and how I'd use them, and not having more than an inch or two of depth really won't make that huge a difference-why bother to maintain such great depth if you're never going to use it? In any event sensation matters more than anything anyways. It's good to know that I have either option once I finally find the money. Thank you all so much for the advice and the kind words.
One more thing: Catherine Sarah, while I realize that what I'm talking about might not be right for you, these are things that could help me immensely. While your face may not be a cause of distress, mine is; believe it or not, people spend more time looking at my face than my genitalia. Passing happens to be important to me-I'm more than a bit sick of being kicked out of bathrooms. I haven't had the experiences that you have, and you haven't walked in my shoes, so both of us have no right to tell the other what would be the "correct" course of action. If I choose to have FFS, or I choose to have a cosmetic or semi-cosmetic vaginoplasty, this is my choice to make, and be sure that I've thought my way through all of this. I've given as much thought to my goals as you have-can we please respect each other's judgement? I don't want to sound angry, I'm not, but what you're saying reminds me a bit of my

mother

. Thanks for the input though-I'll certainly consider it.
Anyways, thanks to all of you. This isn't an easy thing for me to talk about and I'm grateful for your support. At the end of the day, it all comes down to what we choose: if we have the option to choose what our body looks like, why should we put such an emphasis on factory standard? Whatever; it's been a long road for me, and I appreciate all of this.