I find it barbaric to say at the least.
I've decided on my own RLE. I don't see the need to "prove" myself to anyone.
However if you really need to do this because of therapy, you could always go in girl/guymode when you see that person.
I cried a lot about it in the early months because I couldn't fathom it but after giving it some time and understanding... I don't really mind anymore.
"without having to spend tons of money going through an entire wardrobe change to look like an overly obvious transvestite."
Yep, that's what holds me back too, I will only emulate rather then be... But I do like pretty clothes so if it's only "that" to convince others, possibly myself, i'll take it.
It could be very fun also

.
Yes it's scary and it could have implications but don't let that take you down or withold you from what you really want to.
I mean, this is what you want, no?