Loved reading your post, icarus, because we have much in common. Like you I am more or less physically male, but with a feminine sort of body, late incomplete puberty, no body hair, small genitals, but I dont think I have any of the syndromes, and am frequently taken to be a girl. Other things we have in common is both being newbies here - I joined just a few weeks ago - and also same age-range.
I wouldnt venture to give advice - all I can do is just say briefly how I manage and you can compare. I have come to terms with me as I am, and I wouldnt consider trying to alter myself with hormone treatments. Partly because who knows what side effects they may have later, but also because I am an "eco freak", that is, I try to run my life as naturally as I can, and having artificial hormones jabbed into me is not natural.
Two other things, which are sort of advice. First, spend time surfing round this site. I have, and am still doing it, and it has taught me a lot about myself. Second, I have got myself jobs, with the help of relatives, which fit in with me as I am, farming and helping run a country pub, where people around me take me as I am without predjudicial hassle.