I think I'd buy a new car with the money I'd save on transition.

I wouldn't spend one second more getting my face zapped.
Coming out would just be "I'm gay" and it wouldn't need a ten minute explanation.
I'd never have to hear another nurse/Dr. go "Dr. So and SO? that's a ....female doctor!" (I'm getting hrt through a gyno)
If I'd do something masculine it wouldn't be because I'm "really just a dude" and when I'd do something feminine I wouldn't be "trying to hard."
Finding a bra that actually fits would probably be just as annoying, but I wouldn't have to worry about seeming out of place while trying to find it.
I could just... talk and not spend hours doing vocal training.
I don't guess I would do anything differently, it would just happen a lot faster and much easier.