In the end our answers will be largely irrelevant to you, because your decision to have SRS or not has nothing to do with what anybody else does.
When I decided to start my transition two years ago, it was clear from the first day that I would have SRS as soon as possible. It was not about relationships, but about how I wanted my body to look and feel. Without the surgery I would have had to live on with the ever growing desire to have the right body, and I did not want that miserable nagging feeling to go on and grow worse year after year as it had done for so long.
There are other MTFs who do not suffer like this and feel comfortable with their male parts attached, and I think that the pressure coming from parts of our society is no valid reason at all for them to have SRS. Whether relationships work is up to the people involved, the important things happen between the ears, and I have heard that genitalia, of any kind and in any combination, can be fun if used correctly ;-) ...