I thought long and hard about HRT, but I'll be starting in March.
Possible health complications were a factor, but on one level my hesitancy was about whether I was a complete woman the way I was, or whether I needed hormones to be a complete woman.
In the end I decided that I was as entitled to run on estrogen as I am entitled to wear contact lenses as a short sighted person.
Also, I am most dysphoric about not having breasts, and the idea of looking down and not seeing a seven inch penis is so appealing.