For me, I am not male without testosterone. Female hormones would still be pumping through my system... I would still have hips, and even with top surgery my fat distribution would not change. And then with a hysterectomy, I would feel terrible. Apparently, postmenopausal women feel horrid. Very low estrogen, very low testosterone... There's nothing there for you. And then your bones get thin, and so on and so forth. Going down hill at my age is not really an option.
As far as I see it, if I want to be a man, I have to experience what mostly every other man has: testosterone. A male puberty of sorts. Even if I don't think a hairy back is the greatest thing since sliced bread, it comes along with the package (pun intended).
But everyone is different, and there is no clear male and no clear female.
But unless you plan to be androgynous or perceived as a butch lesbian or a young boy (if you are lucky) your entire life... Hormones are important, physiologically.
I understand that gender is a wide subject and not everyone wants to be clearly male or female, but wouldn't that be more typical of an androgyne?