I've been on low dose for more than 5 years, and have no physical problems passing as male. The main problem I've had has been that eventually low dose wasn't enough, and I'm having mental problems instead. It was great for a while though, although I do try not to see myself in mirrors. I started a bit older than you, and I am binary.
I have 2-3 mm stubble rather than a full beard. Earlier on I was shaving, but I started looking pretty odd and so I let it grow. I'm not sure what I'd look like now - I'm probably in for a big surprise next time I shave. The stubble, clothes, and male hair cut have been 100% successful. People just can't see past it. My breasts are a bit of a problem, but still managing there, at least for now.
My breasts eventually stopped growing, but have restarted now I've gone to a normal dose hrt. At least in my case development on low dose hrt was wasn't just slow, but incomplete.
I'm not entirely sure, but I think in some ways the facial changes have made me more attractive as a male. Pretty odd that.