Well, firstly, even though I've been living semi-stealth as female for 16 months already (after moving house to a different place), there are two things that I still haven't done; no doubt some people will say that makes me not truly full-time:
- I haven't changed my gender in existing official records
- I haven't changed my name
I haven't done either because they don't seem to affect me a whole lot at all. 90% of my mail already says "Miss" / "Ms", either due to them changing it without me ever telling them, or because they were organizations I associated with after I had decided to fill all my forms with "female". And people mostly think my original real name is a girl's name in the first place, and so I feel no urgent need to change it; in fact, I STILL haven't completely decided what new name to use

But for all practical purposes, I'm completely full-time. I have not had to use my male identity, or present myself as male, for anything at all since going full-time.
I had roughly a year of gradual transition before that; it was completely unplanned. I just kept presenting as more and more female over that period for some reason, without even going full-time in mind. Those months were full of fear and I lacked confidence, but eventually I got used to it. So when I really went full-time, I didn't really need to "manage" anything, because it wasn't actually that different from the day before I went full-time!
I am one of those who began HRT after going full-time; I started it 11 months after full-time. Again, this was because it didn't feel like it mattered so much (I was always passing fully), but I eventually went for it anyway for some boobs. Most would say that HRT changed their moods, personality, etc., but for me it was going full-time that changed my personality; HRT didn't do anything in terms of personality at all. As for mood, nothing has changed, though I've been moody (the crying type that is) since I was a teenager anyway!
So there you go. When I think about it, my transition to living fully as a girl seems completely messed up, with everything in the wrong order... but well...