Hello and welcome *hugs*
You could have a look here for a few thoughts that might help:
https://www.susans.org/forums/index.php/topic,184920.msg1644403.html#msg1644403I'd say take the time you need... its a process, but many have gone it before and succeeded, and people here will try to support you.
Concerning neighbors, well there are many transgender people now... and people are becoming more and more versatile, some women being more assertive and some wearing mens clothes... men showing emotions... its not like she grew up... and there might be other transgender people at your schools gsa or at college, for example...
well you might explain it... and ask her to support you, if you had a physical ailment she would help you, too...
Well concerning surgeries I'd save that up for later... saying you want to do now what is possible... but its up to you...
its hard to tell how she might react...
hugs