Right-oh, I'm not ftm (as you know), but I do know what it's like to ask the question 'Is T for me' although in a not so similar situation.
Is it a big step? Of course it is.. And like Jamie pointed out: one that requires quite the amount of soulsearching. I think what he did can
also serve as a suggestion: take some time to make up your mind.
At the same time (if I'm not mistaking), there's a lot of different kinds of T with some that work slower than others. Maybe that's a thing
for you worth investigating... You can start with a low dose and if it makes you feel better and you think the changes aren't happening
quick enough then you have your answer right there. If it doesn't make you feel comfortable then you can always schedule an appointment
with your doc and quit. Lest not forget, changes on T come slowly.. Surely there's risks though (like insideontheoutside pointed out), but
all-with-all you're the one in charge of the rate.
I don't think you need to see this as a definite decisson. It's simply a means put available to you to figure out what you want and how you
can feel comfortable. No one will drop by your doorstep with a chainsaw if somewhere along the way you make another choice.

Good luck with whatever you decide.