Once your testosterone drops and your estrogen levels pick up you should expect that it will stop balding (depending on whether you already have some it may or may not reverse the effects, depends on how far advanced it is). Body hair will decrease over time but you might want to help it along with laser and/or waxing. If your intention is to transition then I'd suggest starting beard removal ASAP - this takes forever, especially if you have to go through electrolysis... the last thing you want to do is grow your beard for treatment once you've transitioned to full time. For everything else, ask your endo for all relevant health info. Everything Dena said was spot on.