I transitioned because of my dysphoria, and that's what it comes down to, your own internal feelings and sense of personal identity, a question only you can answer. However, I did everything in my power to pass, because that was a huge component of my dysphoria. So I'm going to level with you about passing, assuming you want to do this.
Chloe, you have a lot of things going for you right now. You're young, and you have a fairly round face. The biggest problem you have right now is hair -- it's thinning on top (but you've still got just enough) and there's too much on your face. If you're going to do this, do a crash course on hormones, find a therapist, and get on HRT to preserve your physical assets as soon as you can. The proper HRT can halt your hair loss, slow your facial hair growth, soften your features, and of course help you grow breasts.
This is what you'll need to do to pass. First, you'll need to get rid of your facial hair -- laser and/or electrolysis are the only methods that are permanent, and even with laser you'll likely need electrolysis to finish things off (which is more expensive). At the same time, start growing out the hair on your head. Give yourself a couple years for all this.
Next, you'll need a female voice. This takes work and time -- six months? A year? Daily training for a marathon, basically. You'll want to be able to speak in a higher pitch, with a different timbre or resonance. There are plenty of resources here and elsewhere on how to accomplish this. Many have found that surgical intervention -- after doing all the work -- gets them over the edge, or keeps them there.
You may not need facial surgery (time will tell) but judging by your pics you're a great candidate. Seriously consider it -- almost everyone benefits from these procedures.
To pass in bed, you'll need bottom surgery.
It'll take a few years, plenty of perseverance, and it gets expensive. This is the bare material reality you'll have to confront and overcome if you want to pass. There's actually more (and more interesting) things besides this -- things like socialization, for example, but for now I'll leave it at this.
Personally speaking, once I realized that I could do all these things, the compulsion to transition was overwhelming for me. It was, frankly, the possibilities opened up by facial surgery that made this all but inevitable for me. Spurred on by my dypshoria, I did all these things. And now, everyone genders me female, and I don't even have to talk about the old life if I don't want to.
I'm so, so glad I did it.