Montreal. Well... I'd live in Ontario, but the surgery? Pierre Brassard, Montreal.
Not everything is covered here, SRS is. If you have the good fortune to work somewhere that has as part of the benefit package, a drug plan, then the HRT is also covered. Cost of living, not exorbitant in places like Kingston, London, Windsor, Kitchener, Hamilton (starting to get a bit more expensive there...). It's pretty accepting here too.