I agree very much with what FTMDiaries said.
Also, as others said you don't need to be on T to get top surgery. I don't know what country your in, but here in Canada I did not even need to express an intent to be on T in order to get top surgery. I also didn't need to legally change my gender. The only thing I had legally changed was my name. And again depending what country you're in you might not even need a medical referral to get top surgery either (I did not need any letters or documentation from anyone to get my surgery. All I needed to do was get a physical/blood work from my family physician to make sure there were no underlying health problems that would cause an issue during major surgery). So if you want to get top surgery you don't need to worry necessarily anymore about all that.
Also, whether you want to live as a woman is up to you, but just to be clear just because you aren't on T or have a legal gender change doesn't mean you can't live as male. I have had top surgery, but I'm not presently on T and have not had a legal gender change but have been living as male for 6-7 years probably now. Are there still times when I don't pass? Yup. Does that suck when it happens? Yup. But I have still been able to find a way to live in such a way that my partner, my co-workers, peers, friends etc. consider me a guy, use male pronouns etc. All that to say that just because you don't want to be on T doesn't necessarily mean you can't live as a guy. Of course, if you do feel non-binary that's also totally cool, but as long as you don't simply think that by default not wanting to be on T or not feeling certain about T means you're non-binary. Just do what you feel is you regardless of how you feel about T.