To coin a phrase, 'there's no such thing as a stupid question'.
Hormones, especially t-blockers, will tend to reduce body hair in most people, as well as making it somewhat softer. If the hair is light to start with, it may disappear completely, but as you say you are 'pretty hairy', it probably won't go away completely. Remember though, everyone is different, so you really just have to wait and see.
I was lucky; I've always had extremely light body hair, and now after 4 months of HRT, I can go days without shaving my legs before I can even feel it, and weeks before anything is visible. Even then, you have to look hard. (Sorry; body hair is one of the few things I can brag about, so I had to throw that in there!)
At the very least, you should get some reduction, so it may be a good idea to hold off until you've been on hormones a while to start hair removal on the legs. I would also look into laser; there are a couple of good threads here on the subject.
Hair removal on the groin area is required by most surgeons prior to SRS; you certainly don't want hair growing on the inside! I have heard one doctor say that hair should be removed from the shaft of the pens itself, and in a one-inch radius around the base.
At least one doctor (Suporn, I believe?) doesn't require it; he uses a technique in which the hair follicles are scraped away from the underside of the skin during surgery.
Annie