You beat me to it, Jessica!
I was just typing this. I decided to transition two years ago. I started by seeing a therapist to have someone objectively and professionally listen to me and make sure I am making sense. Then I started laser/electrolysis. Yes, that's a permanent change, but it takes a long time, and I could change my mind without much consequence.
After almost a year of seeing a therapist, and going through the agony of facial hair removal, my next biggest step was actually getting my ears pierced, lol! Growing your hair out is one thing for a guy, but pierced ears was a huge step into the wild blue yonder as far as I was concerned. I got some comments, but nothing terrible, and it really increased my confidence that I could do this.
Last summer I started HRT. For me, it was a lot less scary than getting my ears pierced. Yes, one is actually making serious changes to one's body, but as you pointed out, you can change your mind early on and it is all reversible. I am older, and already have kids, so sterility was never a concern. In fact, I was already pretty much sexually non-functional as a male before I started HRT, so all I lost was those involuntary erections at night, and my libido, both of which I considered a plus.
For any trans girl on the fence about transition, I think HRT is a great diagnostic, or at least it was for me. Within days, I was calmer, and my dysphoria was all but gone. I felt better about myself. Over the last few months, I have noticed a lot of physical effects, like reduced body hair, softer skin and smaller pores, less skin oil, change in body odor, and of course, breast growth.
As for your wife, Jessica, I can only offer my support. You are in a tough spot. I know I don't want to hurt anybody, and I'm sure you don't either. I just want to be happy, just like you. I have lived as a male, and done "the right things" for over 50 years. And I have never been happy. It's my time now, and I have decided to take what comes. As others have said, acceptance for transgender persons has never been greater. I think it may be your time, too.
With kindness,
Terri