You really need to see a divorce lawyer who is licensed in whatever jurisdiction you live in. You also need to pay for the consult so that attorney client privilege attaches, this means the lawyer can never tell anyone any of your secrets -- like you being trans, which is something the lawyer needs to know about.
I don't know where you live, but in the state I live in, the rule is if the marriage (or sometimes the cohabitation) lasts longer than ten years, the court will routinely award spousal support. The court will typically impute an earning capacity to someone who is not working or is only working part time, and typically calculates it based on a 40 hour work week at the prevailing minimum wage. Then your income, your spouse's actual or imputed income are fed into a computer, and if you are the high earner and in the military, get ready to have a big bite taken out of your paycheck each month and sent to your spouse by way of the court system.
And the longer you stay together, the longer you will have to pay. A marriage of 20 years or more can result in an award of lifetime spousal support. I have seen a lot of older women out there who refuse to remarry because doing so would mean the end of the monthly checks from their ex husbands.
I know you care deeply about your husband. I can read that into your post. I know the temptation is powerful to "leave the courts out of this" and work out some kind of an informal agreement "that can be put on paper later."
You are in a situation that could have legal consequences for the rest of your life, and you need to protect yourself. And before you dismiss the need to do that, ask yourself: Do you love your husband enough to be financially indebted to him for the rest of your life?
Now the disclaimers: I am not a lawyer in whatever jurisdiction you live in. The above is not legal advice, merely a recommendation that you seek legal advice for your own protection.