Ketsy,
I am sure you will get lots of varying advice. That's why you have to figure out what's right for you. To me, you already have plenty on your plate to worry about. HRT at this time sounds like one more complication.
When I've had a large project (and transition is a very large project), I've found it works to separate it into smaller pieces. If I was in your situation (and I'm not, I know) I would concentrate on getting my life going - financial independence, independence from parents, started on some kind of job (not necessarily career).
With that and some luck, you may find that you have more opportunity for social interaction and are more comfortable doing it (because of your new-found independence and because you are more secure). And that will help you start building a network of friends, some of whom will be supportive when you start transitioning.
Once those things start working for you, you can start worrying about making the change. For me, I needed a solid base from which to work. Others don't seem to need it or make do without it. I needed to be secure in myself before I could venture into the wonderful, crazy, scary, beautiful world of transitioning. And I've had surprisingly few problems. But again, that's just my experience.
As always, what works for one person doesn't necessarily work for another. Much as we would like it, there is no magic pill.
*hugs*
Kate