Hi, Rosanna,
There are many nonops in society, those who - by choice or by medical or financial circumstances - do not have SRS/GRS. Nonops are no less women than postops. They do, however, face legal problems in the USA, such as the inability to change gender marker with the Social Security Administration, Passport Office, and State Birth certificate offices. Some are able to use a carefully worded surgeon's letter following an orchiectomy (MTF) to cross the legal sex divide.
I remember (before many of these identity hurdles arose following 9/11) deciding that I was non-op. That lasted until the Submarine Base police detained me briefly following my use of the ladies room one day. A day or two later, I called to set up my SRS consultation. That was the straw that broke the camel's back.
I, personally, have never regretted my decision. I hope that you will be happy with yours but not be afraid to grow into surgery if it is meant to be.
Bright blessings.
Robyn