Hi Diamond Dust,
I'm inclined to follow Embla's line of thought. As each individuals journey is different, I'd do the FFS as a last resort, due to the changes HRT exerts on us. Apart from the cost, which can be prohibitive at times, I think that expense can be better used in deportment classes, teaching you the refinements expected of a lady.
Hope this is of some assistance
Be safe, well and happy
Lotsa huggs
Catherine