I'm not religious, and having a wife offers many benefits to me! Being single is the ONE great predictor of poverty. I have posted the income levels of transgender people in the Bay Area of California in other posts on this site. I don't want to be poor. After two divorces, at least I had enough sense to marry someone who will stay if I decide to transition. There is no Pascal's wager for me.
My concern, and you may have addressed this in your first posting, is that you are using the "intellectual" thing as an excuse. Try a little branch of "goal theory" that I often use. You are early 30's, established, family. As a goal, "TRANSITION" is a really big scary one. Break transition up into "relatively" easier to accomplish goals. You are trying to break a fascis, a bundle of sticks in the old Greek story. Unbundled, they are broken easily. Although easy may not be a good word to use. Decide which stick in the bundle means the most to you, and start there. Start with say, "Family," have you mentioned how your wife feels about it? Have you discussed it with her? Feel her out. Would her disapproval be a deal breaker? If it is, and she says (no/yes), then you have your answer until you decide it isn't a deal breaker, or if you pass that, you move on to the next goal. WOW, now you have a beginning goal, a starting point. If you get "family" stuff settled, then attack "job, living arrangements, hormones, clothes, surgery" etc. You have turned an impossible intellectual exercise into a real world possibility, small steps at a time. After starting you may decide to run the whole way, like some, or, like others, decide to stop frequently and enjoy the view. But at least you will be doing something with your LIFE. Hope this helps.