Hey! Not yet; my surgery is on Jan. 16! And yes, I've been on T for a little over 4 years. It's helped to decrease my chest size, but plenty of guys have top surgery first, or never go on T, and they still look great. It's entirely up to you when/if you start. For me, it was definitely something I wanted to do. I've got before and after pictures posted on the last page of the "Before & After" thread, if you're interested.
Sorry to hear about your mom! Hope she heals quickly. There are 3 separate payments. Dr. Medalie's portion is the largest, and it's due 2 weeks prior to surgery. I mailed a cashier's check, because there is a 3% processing fee for card payments. The next payment goes to the Cleveland Anesthesia Group, and it's due 1 week prior to surgery (no processing fee for cards). The last payment is to Wright Surgery Center, and you pay that the day of surgery (card payments only, not sure if processing fee is included or not).
There is a size chart online, but you have to call to order the compression vest, so they can help you if you're not sure about the size. You measure your rib cage directly below your chest!