Shawn, I don't think your fear is religious. I think your fear is far more primal than that, and one we all suffer from at various times. Namely a fear of the unknown.
If you knew within your own mind, one way or the other, how this would turn out... and what would happen to you when the final curtain falls, then I suspect it would make your decisions easier to make. It's the not knowing that's making you feel this way, in my opinion. You've heard various opinions from people all over this particular spectrum. What you should do, what you shouldn't do, what is and isn't the right thing, and in the end you feel like you still don't have the final assurances one way or the other. The religious context here, well, you believe what you believe and that gives your life meaning. But listening to what other people think and feel about it, you're getting snapshots of what
they believe.
The thing is, hon, the only time you learn the rules of life is when the game is over. Until then, you have to make them up as you go and hope they're the right ones for you. This is something that you have to get in touch with yourself about and think about how
you feel, how
you want your relationship with your God to be. I'm not religious but I'm pretty sure that if your God loves you, then that deity will love you no matter how you present to the physical world. You are who you are inside, and whether you go through with it or not, you'll still be who you are on the inside. And that, if you ascribe to an afterlife, will be what ventures there. Not your physical shell.
So really, since the person you are, the spark of sentience within you, is already in contact with your God, and has already formed that relationship, a very personal relationship... the question perhaps is more about how you feel about making your external self come into alignment with the way you feel inside. What people tell you will happen to you at the end, whichever path you choose... these views don't come from the relationship you have formed with your God. That can only come, I think, from inside you, hon. Perhaps now is the time to have faith in yourself, and how you see yourself to have lived and want to live according to how you believe your relationship with your creator should be.
Fear of the unknown is powerful. It evokes a powerful, deep seated urge within each of us to protect ourselves, to stay where we know it's safe. All I will say is that you have the power of self-determination for a reason. And the ability to shape your life based on your own thoughts and feelings for a reason. Whether that reason is to live true to yourself and allow you to continue to explore your relationship with your God free from discomfort and distraction... that's not for me to say. What I will say, is that you have no less a capacity to shine, and make your mark... to help people, and live what you consider to be a good life if you decide to transition. You don't become a different person, you become yourself. And I think, perhaps, that your God already knows who that is.