Good Morning Petti,
I'm going to ramble on for a few minutes about what I believe transition is and is not. To address gender dysphoria by medically transforming your body to that of a woman has been for me both existentially necessary, and magical. But it is important to remember that there is no correct solution. For some no medication, and self acceptance is a valid answer. There is an entire community within the transgender movement who find that low dose HRT and some physical changes such as permanent hair removal works. Then there are those such as I who simply cannot abide not seeking to live authentically and who must do whatever they can to transform their body, mind and soul into something new.
I am sixty-two years old. I have been on HRT for the better part of three years, and lived full time in the gender I identify with since June of last year. You hit the nail on the head when you spoke of fear. I did not begin my search for self thirty or forty years ago because of fear. Fear of rejection, fear of violence, fear of being perceived as a freak. So I did nothing and tried with all my heart to accept my life as it was and to be a good parent, partner, and man. It didn't work out too well as they say.
I came into transition feeling lonely, angry, different and afraid every day of my life. Because my self image was so totally misaligned with how I lived my life - I made a mess of everything. It took radical change in my case, to both survive and to become someone who I felt was worth of survival. I lost 22 kg (50 lbs) and am now healthy and fit, but do not intend to do any FFS. I take sublingual medications. I will have gender confirmation surgery in 2016. Dilation is nothing that I fear because I have trans women who have walked the path before me and who will be there for me always.
I am accepted and respected at work and in my personal life. I am neither afraid of living a woman, nor embarrassed if someone misgenders me. It happens, not so often anymore but how I am perceived by the people I meet isn't really my business. What I do to create their impression is, and how I respond is, but I am perceived as I am perceived, and I am not vested in that perception.
If the path to an authentic life is the path you must take don't expect it to be all rainbows and unicorns. It won't be. There will be loss, there will be uncertainty and mistakes. Oh well, it is life, and a life well lived has risk, pain, and loss. There will also be affirmation and love. You will find the place in your soul where contentment and approval lives. You will find community both here and in the real world. You will find the magic of authenticity.
So my advise is to take it easy, but to begin to seek yourself while being infinitely patient. This is a process of years, not months. Start laser or electrolysis, see your therapist. If she is not skilled in gender issues find one who is. Talk to the people here. Love deeply and often. I have a wonderful man who loves me exactly as I am and cannot even effectively imagine the dude I once portrayed. The well of life is opening for you, take deep, well earned draughts.
Peace,
Julie