The same sort of feelings you're having were a big part of what kept me from transitioning for many years. I finally came to a point, though, where I realized that I could be an outcast either way, whether I transitioned or not. Holding my feelings in, hiding my 'secret', kept me from ever being able to really open up to anyone. How close can you get to someone when such a major part of who you are is kept hidden?
At least if I were to transition, I could be myself at last. Some of my friends might have nothing to do with me, and some might even hate me, but at least there would be the posibility of having an honest and open relationship with someone.
I came to care less and less about how society would treat me, and more and more about my own ability to survive. I knew that if I didn't change, the pain and depression would eventually kill me.
I developed an attitude: If I could pass just well enough to leave people in doubt, enough to where most would be hesitant to confront or publicly ridicule me, then I would be happy. It would be better than the alternative.
Surprisingly, it's turned out much better than that. All of my friends and family have been supportive. I'm beginning to pass most of the time, and it's improving every day. If I get the job I've applied for, I could be living full-time in two weeks.
Spend the money on a therapist. A good one can help you explore your feelings and determine just how far you need to go, and what it will take for you to be happy.
Just don't wait as long as I did to uncover the truth.