A very interesting sequence of posts...
I do like Lori's long post best of all since it applies best to me. However all the replies raise good points. I guess I kicked the discussion off, in a way, so I'll add a couple more items. First remember I stated I considered myself TG and did not feel a need to transition. Perhaps that is a disqualification but I don't think so.
I have several health issues and HRT would likely interfere with the treatment for these. These are age-related onset issues so "too old" in the physical sense applies. Also, I do heal more slowly now than I used to.
My wife is OK with me going out in Fem-casual. Today we went to the mall, I was dressed in fem shorts and a fem t-shirt with the usual jewelery and my purse. I also have shoulder-length hair. The only more-fem clothing I could have chosen would have been a skirt or dress. My wife would not be OK with that in public, but is OK at home. Having her as a best friend is of EXTREME importance to me, anything that would damage that is not worth the cost.
When I go out en-drab I wear slacks and a sport shirt. I don't get dressed up any more so doing an en-fem is only a small change; different shirt and slacks. Also, if you look at the women's clothing catalogs today many sell men's shirts for the women to wear. If it's the same shirt who can tell.
For those who have a real need to transition, I wish you all the best luck in the world on your journey. There are however a lot of different people here and everyone is different; we all choose different paths and destinations. You are competent to define your own journey but to tell another what they should do or how they should act is really presumptuous; IMHO.
Life is a journey, and a very personal one. Enjoy the ride.
Hugs,
Sandra1746