I say come out asap. The longer you wait the more you'll regret not coming out sooner. And as far as hormones, that shouldn't be a #1 priority. I've been trans for awhile and haven't been on hormones, and I don't feel I need them to be a woman, and there's many biological traits of a guy I like having anyways, even if it means shaving and voice training. But hey, it's all up to you girl