At least it seems that you have your head screwed on right & understand there are consequences on going on HRT, it's certainly not a decision anyone should take lightly, because at some point, it will change your life & others around you in a very big way, although not necessarily in a bad way, but it is possible that can happen too.. And there will be a period of time for many where it gets rough for a while at some point as your transitioning,.lot's of very high highs & very low lows to the extreme..
On the 1st 1 or 2 years on HRT, you can get away with hiding the changes on your body & stay working in guy mode if you chose to, but after 3-4 years you would find it very difficult, not to mention that you will be driven to go further & that when you can kiss your days living as a guy goodbye..
So what I'm saying is, if that time comes that you do want to ever start HRT, prepare yourself for a new way of life for the rest of your life because it's inedible it will change whether you want it to or not..
Your doing the right thing by seeing a professional & exploring all your choices 1st before making any rash decision..
And I wish you the best of luck on whatever you choose to do..