Hormones have the upsides, that they take effect slowly and the degree of the effect can be varied by dosage. Also I belive (I have no experience whatsoever with that), that most changes are reversible up to a certain point if you find that it's maybe not the thing for you.
I was considering that for myself, but as I know insurance helps only if you're diagnosed with a need for full change surgery, and I certainly won't take anything I got from dubious sources without supervision.
Lowering testosterone levels whould be a neat way, but I havn't found anything in regard to that. (There are rumors that soy does that, but there are equally many that say it's an unfounded myth.)