Viory,
Informed consent has been talked about here for some time. I have some doubts about it though.
In my opinion, you should seek counseling in addition to hormone therapy because you will eventually need both and much more to fully transition. If money is a concern, then at the very least you should find a free support group. I have not heard of any support group providing a HRT letter, but there are people there who may know of someone who can help with he HRT letter. There is so much other stuff that needs to be done that skimping on counselling is just not worth it.
On the positive side of transition, once I got on estradiol and spironolactone, I felt so much better emotionally that I never wanted to stop. It was full transition for me. What I am saying is please do this right and be careful.