I went full time 5 months after starting HRT. I had planned to wait much longer, possibly never, but other factors changed my plans. I had been going to my therapist appointments dressed, and was running errands and occasionally getting breakfast or lunch as myself, but that was about it. I found myself living on my own, and I resolved to just be my authentic self. I had maybe 40 hours of electrolysis, was nervous when out on my own, and knew nobody in my new community.
I tossed all my male clothing, and went full time anyway. Nothing bad happened. I started attending a local Unitarian Universalist church out of philosophical common ground and a need for community. Nothing bad happened. I went to the grocery store. I went to local restaurants. I went shopping. I rode the local public transit rail system. I was frightened, but nothing bad happened. I got a makeover and makeup lessons. That was actually pretty good.

I've been full time 16 months now. A year and a half on HRT, and I had GCS a couple months ago.
I doubt I pass on any photographic examination, but honestly, nobody out in the world looks that closely. Everyone is too busy trying to cross the street and not get hit, or how they'll explain being late for work, or trying to remember which brand of pasta they are supposed to get.
For exercise I walk a loop of a few miles through downtown. I stop for coffee, sit and people watch to check details of movement, wardrobe choices, and such. It's just routine now.