Hi,
I am a 64 year old MTF transgender, and really can't tell any one what to do. What I do know that things do not get better with time. The longer yu wait the more legal papers and transcripts pile up with yur male identity, job references view yu as male, long term emotional friendship relationships become more complicated and there are more people to consider. Brothers, sisters, cousins, etc grow up and have spouses and children who see yu as a male. Yu build employment experience as a male, and how do yu write up yur resume. Being born in the 1940s most of my choices were made for me because social pressure was enormous and I was just a small town country kid. Just do what yu need to do for yurself. But remember life gets more complex as yu get older and change never becomes easier.