Welcome to Susan's, FleurDuNord.

Much of your story matches mine. I was sure I could never pass as a woman, so I didn't try. But I got to the point where I had to pretend to be a woman rather than continue to pretend to be a man.
Talk to your psychologist. This isn't a simple thing that can be worked out in an hour. Don't burn any bridges yet. Therapy can help - a lot.
At first I wanted only a penectomy and orchiectomy. I just wanted that stuff gone. But after starting hormones and full-time, I realized I might as well get the works. Removing the testicles ahead of time is just an extra expense if you are going to get SRS in the foreseeable future. Some need it and some don't. You should carefully consider your various options before deciding on it. Removing the penis means you are losing donor tissue you might want if you finally get SRS. Keep your options open.
HRT will effectively castrate you chemically. You will need to do it under a doctor's care, especially considering your age and health risks.
We have suffered pain for so long we just want it to end, but this is a long journey. You can work your way along your path, through the brambles and swampy places, gathering strength as you go; or you can jump off the cliff. The second way is faster but you might not like what happens when you get there.
Incidentally, I started transition at 65 and have never been happier. Either I pass 99.99% of the time or there are an awful lot of nice people from Seattle to Tampa and all points in between – perhaps both.

I wish you good fortune on your journey.

- Kate