Hey girl. You know I used to be totally afraid of transition. I had a thousand excuses about this and that about my body and it held me back. I'm 34 years old and you know what, I'd give just about anything to be able to go back and transition at a younger age - even if I was taller, and broader shoulders, and bigger hands or whatever. There are a thousand women on this forum who would trade places with you in a second - all of us do the best we can do with what we were given.
Go to the local Walmart or Costco, or grocery store (or downtown if you have one) and find a place to sit and watch the women. There are ALL KINDS of women out there. I mean really observe, really notice them. Since starting transition the world has come alive as I've realized the HUGE diversity within femininity.
Once I got over my fear of being a tall and broad shouldered woman - it let me start living my life myself, as me. This is the body I was given - there is SO MUCH that you can do over time to find the right expression of femininity for you. There are cis-girls out there that are bigger than you - it's guaranteed. Just wake up, and choose to live your life for you. When you do, you can find happiness.
Think about why it is that so many of the older women in this forum (including me) would DO ANYTHING to have been able to transition sooner, to know what you know about yourself and have the courage to be talking to people about it. It's because we know the power of youth, of the huge flexibility in your body, and the countless possibilities for a young person's life, of the hugely powerful effect HRT has on a young body.
Don't throw away your life over something a friend said. We all say stupid things from time to time, she might have been trying to "build you up" because maybe she thought you needed to hear someone tell you that you were a very manly man. Don't take things as gospel truth. Instead, figure out who you are, what you want, and then live your life.
You will do fine. If you want it, you will have it. Do not waste these precious years because of your fears of not passing. This path is difficult for everyone - but you have plenty of examples of people here who overcame the odds and succeeded.