I have lost 45 lbs since June and am on track to lose another 40 or so by February when I will be starting HRT. I don't want to be a fat chick and at times wonder if I would even bother with the cost and all of fully transitioning if I can't lose the weight I want to. But then I stop and think that's kind of wrong , so what if I'm a bit of a chunky girl. Anyone else have this issue?

Congratulations on the weight loss, Ruth.

Congrats on the weight loss and I'm definitely in the same issue, although I'm looking at losing a lot more than you.  I'm currently at 336 at 6 ft and it's mostly around the midsection.  I'm hoping to get to 185 but that's realistically going to be a year plus out.  The last time I weighed 185 I was in high school and it was over 20 years ago. It's going to take some work, but I'm committed.  I'm never going to be thin be it male or female, but I do intend to be much healthier than I am now. It's not necessarily about being chunky but I'd like to get off as much of the male pattern weight as I can before I start and hopefully keep it off until I can put some female weight pattern on.