I think the usual advice is to do whatever makes you happy.
I've been on HRT for years and I still present male everywhere, including my endo and psych. Much as I might like to there's no way I'm walking out the door presenting female. It's never been a problem, and the medical treatment I've received has and will continue to be identical to that I would have if I'd presented as a 100% passable female.
It's possible that I'm lucky with the endo and psych I have though. I did a fair bit of research in finding them, and this site helped a lot.