Charlotte,
As you contemplate your transition and expression goals, do not limit yourself to a linear progression M ----------> F. I know you want to be on the F end of it, but also be able to express something in between.
What's to stop you from moving to F with surgery, etc., but then in your daily expression, slip slightly back toward M? Or just incorporate things to make it appear that way.
You keep your inner peace knowing you are a woman, and still maintain your trans roots through your expression.
Even if someone were to question it, perhaps you are FtM instead of MtF. How would they know? Most just won't care.
Just something to consider. You are not locking yourself into any one thing.