You don't say where you live, hwytoaster, but in the USA it is entirely legal to go by any name you choose, with the probable exception of the name on your driver's license and social security card. However, you can open a bank account, get a credit card and almost anything else as any name you choose as long as you do not do it to commit a crime. A lot of people don't seem to know this.
It's actually not very difficult or expensive to change your legal name, either. I think it's like a ten dollar filing or fee or something (in the US). Gender change is another situation, of course. That is probably something you'll have to put up with, at least for now. I don't know your whole situation, but I've not run across many people who can "never" get gender therapy or make a transition if they really want to. Perhaps I'm wrong, but this sounds a bit like your current frustration talking rather than a fact. Things can be done if we really, really want them.
As for lifestyle change, I don't think it's that hard for many people. I can't remember the last time I had to show anyone my driver's license. If you can put together a masculine look (and most genetic females can, I think) just start doing it. Tell friends your name is Bob (or whatever) now. If they don't accept that, they probably weren't your friends to begin with. New friend time.
I think what you need to do the most right now is to list for yourself exactly what activities or appearance changes are most important (and least important) to you regarding gender. Consider how you might do those things without a complete life and body transition. Work though them one at a time. I suspect you can achieve a good deal of satisfation if you do this. One thing being TG really requires is a good deal of creativity. Design your own life. It's kind of fun once you get started.