After six years of HRT I am still, perhaps even more so, "On the fence" Much like Taka said, after a lot of hard work I am actually at a place where I am happy being in my own skin. Best of all is loosing much of the shame and guilt about being trans and FINALLY being able to look at my life and feel that I do deserve and have rightfully earned all the things in it that I value.
My pre-jurasaic age, a wife, and a totally fun career are the big considerations affecting my transition indecision. I am mostly at point where I feel I don't "need" to. (Or is that the fear talking?) I also mostly at a point where I know where my true joy lies. But is it worth the potential cost? Life is complicated so no easy answers.
Why we do, or not do, things is only for us to ultimately decide. Funny thing about people, they always find it far far easier to tell other people how they should fix their lives. Certainly easier then fixing your own life.