WOW 90% female
I need that hrt!!
There is no miracle pill, if you have some female characteristics hrt may enhance them, it may also soften some male features.
The only thing you may achieve a 90% level of is losing your LIBIDO, you better let your girlfriend know this, if its something you would like to have regularly. (libido that is)
As far as I'm concerned there is no half way even if you don't have SRS. HRT will rewire the way you think, feel, react and your general out look on life.
Ya you may grow breasts, skin will soften, gain wight differently......blah, blah, but all this doesn't have to even be seen or ISN"T'
The mental changes aren't seen either, but its harder to WANT to hide those physical changes then.
If I just confused you more. well thats how hrt works