Hi Paula:
I was 61 when I started "Legal" HRT in July 2012, and I won't lie about how difficult it was to see the woman in the mirror. But a woman finally emerged several months later and before the year was up I was full time, happy, and out to the world. It was really hard to pass for many months after going FT, but there came a day when I didn't even think about it.
So what's your alternative? You'll wake up every morning from now until you're 60 wanting to change your life, and you'll feel like crap. And you'll make everyone else feel like crap because you're constantly unhappy. Or worse, you'll do what I did and start looking for hormones and dangerous over the counter drugs anywhere you can get them. Then when you turn 60 you'll kick yourself in the ass for not starting earlier, and dream of how you life could have been so much different had you done something right at 50.
But on the other hand you can call and make an appointment with a gender therapist today. And in a couple months begin a new life. Gender disphoria doesn't go away, it only gets worse, so either way you'll be dealing with this every day
I was 6 feet tall and 270 lbs at 50. By the time I began transition at 61 I was around 5'-11' and my weight was hitting 275 when I ate too much. I'm now 198 and trying to loose more weight, but unfortunately as I've aged I'm getting shorter, and my health is not quite the way it was, so I'm only 5'-10".
Take care Paula, and make that call for an appointment.