that deadline thing is tough. I may face something similar, for most of my life SRS was a impossible dream more expensive than I could ever imagine, even now in my 30's it would take me decades to even think about saveing that type of money but I recently learned that my insurance may cover it. that made me really think hard about how I felt, I know I was terrified for a long time though it has faded as I have read story after story of things working out well for everyone involved. Most trans women who where orgasmatic before regain that ability at some point, though it can in fact take years, some of it is physical, sometimes hormonal, sometimes its totally mental (a lot of the feelings from before are in diffrent places and work in new ways so its easy to confuse your mental pathways making it difficult till you unlearn what you have learned. Bet yoda never thought his lessons would apply to transsexual climax :-P) So I learned that I might be able to get it covered and I realized that if I waited I might lose the insurance before I decided what to do. I realized that if that happend, if I had a chance to have GRS and by waiting lost that chance I would never forgive myself, so I resolved that when I reach the point where I am ready if I can have it, I will. Though that decision could easily change I am sorta flighty and random.
as for needles when I was young i had a seizure and they then spent the next decade or so sucking blood out of me regularly, at this point I Just don't watch when they push it in and I am fine, i even sorta like watching the blood fill the tubes.
Serena