Woah I feel overwhelmed just reading that man! You've got a lot going on in your head. Truthfully my advice would be sit down and write it out. Make a list of each thing bothering you then write down pros and cons
I want to raise a kid one day. I really wasn't sure on that until I raised my ex's kid for about 7 months and was her father. Blood didn't matter to me so I know now that I'm the type of person who can love a kid who isn't biologically mine just as much. Some can, some can't and there is nothing wrong if you can't. Just think about that.
Then therapy, if you can eventually afford surgery then chances are you can afford a therapist. Then the therapist will probably refer you to a doctor who will prescribe you T. Afterwards you can go back to that therapist to get your letter for surgery if you want or you can find someone else yo get your letter from.
It seems like a lot man but my advice to you is think it through, make a list, and when it gets way to overwhelming try walking away and throwing yourself into a project or talking to a friend just try to focus on something else for a while. You're young, you still have to see a therapist before you can start T anyway, that gives you plenty of time to plan and think so just try not to stress and get upset.