I'd like to add to this discussion. While I've not had SRS I have started to plan for it.
I believe strongly in informed consent, and to me informed consent means that someone is informed of the consequences of their decisions, and is capable of giving consent. "Capable" being judged by a psychiatrist since that is their area of expertise (i.e. they are not nuts). By that standard WPATH is not informed consent, since there is a requirement for 1 year RLE, and I disagree with WPATH. I also I believe it does not include a diagnosis of being transgender or not. I have no opinion on people who are not mentally capable giving consent, or children, as I don't know anything about that.
When I started HRT I did it DIY, and I partly did so as I didn't want a diagnosis of a psychiatric disorder (it was more that 5 years ago). There's some definite downsides to that. So I informed myself, visited a therapist over the course of a year, then started HRT. My only regret is not starting sooner.
Due to not transitioning I've been suffering depression and started seeing a psychiatrist. I was very conflicted at first, as I really needed help, and there's no point in seeking help if I don't tell the truth, but telling the truth carries the risk that should I decide to proceed with SRS then the truth might prevent me getting it. Fortunately as with HRT, and as others have mentioned, there are ways around that, so I went ahead anyway, and its been very helpful. I wouldn't be concerned visiting medical professionals if it really were informed consent and that would be a great relief. If there was serious gatekeeping then more than likely I'd end up convincing myself and the psychiatrist that I needed SRS just due the the pressure on me not to mess it up. Fortunately Sydney is blessed for transgender people and I feel I'm getting the help I really need.
I also believe that everything around this subject is very biased by moral/cultural influences. Life is full of risk, but there's something special about this subject where people feel the need to tell others what to do. Driving kills vast number of people, as does smoking and alcohol, but there's not too much preaching about that. We accept some personal limitations for the benefit of society since these do affect other people but generally get a license, or be of the required age and you're fine. Others have mentioned cosmetic surgery - good point. Yes there's a risk of making a mistake. That pretty much applies to everything in life. I regret more that anything not realizing I'm trans when I was young. What an idiot. With gate keeping there's a risk of others making mistakes for you - I'm not ok with that at all. Increasing or decreasing the amount of gate keeping is not going to change the fact that people will get hurt, only change the number who get hurt on either side of it. I think the total good/bad either way is a matter if speculation, but if I'm going to get hurt I want it to be my choice.
Finally, things seem to be getting better for transgender issues these days, and I'd rather have a system put in place while we can that allows no personal biases by medical practitioners to refuse treatment. Its a slippery slope once that happens, and if things turn against transgender people in the future then that will cause no end of trouble. I understand that getting an abortion in some parts of America is practically impossible, even though its legal. I'd hate to see all our hard won freedoms going the same way.