Any medical practitioner in the USA should be registered under the relevant board/body for licensing. You should be able to check the bona fides of the person offering counseling online by doing a search on that board. That would at least let you know that you're actually dealing with a qualified person.
You should not need RLE before starting therapy - they need to assess you anyway regardless of how you present.
I know that in Australia, that all health care providers are registered under the Australian Health Provider Regulation Agency and that we can look up any provider, see if they _really_ do have specialist registration, as well as whether or not they have ever been disciplined by the board.
I'm not sure how it works in the US, but the time from my last psych appointment, to the time I went back to the GP for a referral to the endo was about 8 years, and I had no trouble getting started on low dose HRT. I suppose that the endo found my reasoning for starting on HRT sound - he was comfortable enough with me to not want me going back to see my psych.
I would suspect that letters of recommendation for surgery would probably not really expire if you have already started HRT/done RLE for a while. If I was in a position where financially I could not afford it but had the letter, I would at least have a consultation with one of the surgeons to at least make a statement saying "I'm serious, I want this, but I can't afford it yet" - it might save going back through a few hoops later on.
I hope it all works out for you - it'd be great if you could get a good part of therapy sorted out before you move out. Keep working at it Malachite, you're thinking things through and making the most out of what you've got - I have the feeling you're going to do just fine. =)