Short and sweet personal life story from me: I knew I should have been born female at 14. Actually making the decision to start therapy to get my letter and begin HRT -- age 28.

You are still young and have a lot of time to get your thoughts in order. First and foremost, find a decent therapist and work out your issues. I know from my personal standpoint, had I the access (and nerve) to start therapy at a younger age, I may have been able to start HRT much sooner.

You're not getting any younger, and you seem to have a very open-minded family (I do not) that is more than willing to support you whatever your choice may be.