My advice to you is this, consider the fact that pretty much every person that transitioned, was pretty similar to the way you are now. Lots of fear and doubt. What's my job going think, what's my partner going to do, what are my friends going to say, will I pass, what if I never pass etc etc, there's hundreds of questions like this. The only difference between you, and someone who feels their trnasistion is "finished" or "dealt with" or however you want to put is, at some point in time, they decided to actually take real steps toward taking responsibility for their own happiness. Life is very short, full of pain, sickness and death. Just take steps. Ask your GP if you can start hrt. You can go on it for 6 months and the only real change will be much nicer skin but, you might find it helps you "break the ice" a bit. It's not a massive irreversible commitment, you can just take it for a spin and see if you like it. Don't worry about what other people think or say, for two reasons
1, what others think isn't any of your business and,
2, why should you care about anyone else's thoughts?
Just worry about your thoughts, and try to make yourself happy. One day, soon if you're unlucky, time will run out. How much are you willing to throw away before let yourself be happy?