Thanks, Vicky...you're in exactly the situation as me, playing golf and tennis in private clubs, and I believe that I will unfortunately have to give up membership in my club, which is likely to be one of the major bummers of my transition (although it will save me lots of money that I can spend on transitioning).
Good point on the arms...my arms are kinda average for a guy, and I'm hoping HRT and weight loss will do some serious nuking of my arms. But in the mean time, I probably should get a tennis top to see how I look. It's actually not a bad outfit to test to see how far away I am from passing.