First of all, it's called "Transition" not insta-swap! You have time, don't panic! Your points are something that I thought of as well, for years...
* I never felt female. Still don't.: In my culture/upbringing, transgender wasn't in the vocabulary... I always knew I was different, and off from the rest of the little boys, but couldn't put the two together.
* Never had the slightest urge to crossdress until I considered presenting female.: I never did, and still don't. I wear female clothes, but they are all pretty androgynous / butchy. My cisfemale wife often runs around in boy clothes. Our clothes do NOT make us.
* Don't hate my male parts.: I never did either. My parents gave them to me, and they served me all right. I was a bit sad when I woke up two weeks ago after surgery... but only for a split second.

* Do feel male some of the time.: Cultural roles run deep. Who is to say what it feels like to "feel" female? Some females might feel feminine, weak, scared, prissy or passive, while others feel their power, bravery, strength, and can kick your butt at any given sport....
* Don't want to go through SRS.: Painful, very expensive, irreversible. Who wants that?
* Don't want to take HRT: These things are an additional risk for sure. Who wants that?
* Am mildly uncomfortable at the idea of wearing dresses, skirts or a stuffed bra.: As above. Nobody is forcing you to wear anything on the outside. Decide who you are on the inside, get it fixed if surgery is required, and then dress how you like. It is nobody's business but your own.