Hi Chris, and welcome to Susan's.
As others have said, you have come to a safe place to begin this exploration. If you are truly thinking seriously about this, please explore fully! There are few real road maps and there are pitfalls and ravines and quicksand all around you. Being gay does not have nearly the stigma in society being TS does. I am honestly not trying to dissuade you at all. But if I can talk you out of being TS, then you probably were not to begin with.
This is all about who you really are at the core of your being, and about which lenses make your view of life seem right. You may indeed be a gay male who simply has a need to visit the other side once in a while. If so, embrace and enjoy. If it is deeper, then you seem young enough to make your plans wisely.
I think everyone who is anywhere on this spectrum has gone through the phase of envying GGs for the clothes they get to wear on a daily basis, makeup, and all of that. So, just take time to check out what that means for you and don't let it be the determining factor for any decisions you might make.
I pay $140 to see my therapist and she is worth it. I started off going weekly. Now I call her when I need to visit. So it really varies.
Honey, I truly wish you the best at this special time in your life. Please let me know if I can be of help in any way.

Kristi