Maybe you're just not ready to transition just yet. Perhaps you need to be at the point where staying as you are is going to cause you more pain than the thought of transitioning. You say you don't like the way you are now in female form - what have you got to lose in transitioning?! If you don't like something - change it, you can't change it, change your attitude. Maybe natural transition is for you at the moment? Maybe just top surgery if that's what you want? There is no one way to transition.
As for the religious stuff - I'm a Roman Catholic (not really practicing

). My father still goes to church every week. He has had no problem accepting me and my decision to transition (I'm lucky I know) and not once has he thrown God in my face. God made us all in His own image - that means I am exactly the person I am supposed to be - transsexuality and all. When the opportunity to medically transition was presented to me I saw it a God's way of saying - well, there's always option B... I obviously wasn't happy with option A! He gives you what you need, at the right time, to do what you need to do. I have never once thought for a second the God I learned of as a child would punish me for being myself, the person He created. My father taught me trust that if I fall God would be there to catch me - no matter what, NO MATTER WHAT. I will stand in front of Him on that last day, arms open, exhausted saying - I used everything you gave me...
With regard to the genital growth - for me anyways, it didn't hurt or feel terribly uncomfortable at all. I too didn't want it before I started T - I wanted little to nothing to do with my downstairs area before I started T.. Not even a passing glance - I hated the thought of touching it, even just dressing or showering!! I made a pros and cons list about T.. This was obviously a con for me but the thought of not taking T was much more distressing and scary than the changes T MIGHT bring (as everyone is different). It's like some guys get a full beard - some after years on T are lucky to grow a mo...
Changing your attitude and the way you think of yourself really helps accepting the changes you're not so thrilled about.. At first I didn't want any body hair - I was pretty hairless to begin with and I liked it that way.. I now have hair all over my stomach, legs and thighs, up my chest and my neck and am eagerly awaiting it to fill in on my arms!!! I find myself wanting it because to me - it's manly! I will not be happy with back or shoulder hair but that's another story..
At first it was hard to see these things happening, now I can't imagine what I looked like before. Photos are like looking at someone else, a sister who's no longer here. Initially I thought I'd just look like a woman with excess body hair, facial hair and a deep voice, I thought no one is taking me seriously - they're just saying "he" to be polite, I'm not a "real man"... But as I changed with the T, including emotionally, I began to see myself as a man. And it got easier to accept that like any other man gone through puberty - I developed body and facial hair, my face changed and became more angular, my voice deepened and my dick grew!
I don't think of any part of me as female. The breast tissue encasing my pecs and chest is not mine - and when it is removed later this year everyone else will see what I can. The same for my genitals - no I don't have testicles and my dick is just surrounded by extra tissue and its not as big as what society considers "normal" - but I hate the thought of being normal anyways

And they're making leaps and bounds in bottom surgery - I've seen some really good results. One day I will have the dick I want (and I'll get to choose it

) until then my lil fella is just right and for whatever else I or anyone else wants - there's plenty to choose from!!
Sorry.. I know this is more like my 20c rather than just my 2...