Hi (D?),
I agree that surgery can probably be avoided in most cases, and from what I understand you still have to have voice training after the surgery! I started with a low range and now my voice is completely female, it didn't happen overnight or a fortnight lol, but it was just a matter of technique, practice, and consistency. And like you, I also found my singing voice, but not from a vocal coach; I started learning how to play guitar about a year ago and my ear for music has improved greatly.
Best wishes for your music career 😊