You wanted the other side, so here goes. It isn't the therapists letter that you want, it is the therapy. If you were 100% sure you would be doing T by now, not typing on your computer. A therapist can reaffirm your feelings, point out inconsistencies in your thought patterns, or, perhaps, show you an easier, middle way. When I read some of the postings here, it seems as if some people just think it is hip or cool to transition. (yeah, I know I sound old-I am.) Isn't happiness and the integration of your mind and your body the really important thing? It will fundamentally change your life. Getting a little older won't stop you or change you like it might with MTFs. Why not take a while. Does the LGBT center have a list of therapists who charge sliding scale? They might. When I see people rebel against any sort of gatekeeper (not you, but plenty on this site) I see immaturity and a lack of vision for the future. The fact that you are asking indicates that you realize the seriousness of your course of action. Go get the second opinion, and if you give it a chance and don't like the answer, do informed consent then. Of course, then maybe you won't want to. Either way, good luck on your decision.