I believe I have pieced together what to expect in the next 5 years, but I implore any of you knowledgeable of this to confirm my suspicions.
If I'm 21 at the start of HRT (MtF), and I just have Spiro (or some AA) with a low dose of Estradiol (like the dosages given to post-menopausal GGs for bone health), I am estimating that the physical effects may take up to 6 months to even truly begin. The effects should not be profound/pronounced until roughly 2-3 years of the regimen. I would still easily pass as a male (which I will be forced to for a while longer [read as: 3-4 years]) for a long time. Though I predict this should give me a very good foundation to begin the rest of the transitioning process after ~4 years of this therapy, I can't be certain.
Does this sound reasonable? I'm open to any and all feedback/questions. I need to perfect how I want to achieve my goal, after all.