Well, isn't it kind of the definition of being transexual that your gender does not match your sex? Your penis is a HUGE part of your sex. Do you wish you were born with a vagina? Or do you actually like your penis? That's the important part. I didn't even touch mine until I was 21 because I got a girlfriend who was gonna want to use it... I thought it was gross ever since I was a little kid.
If you actually get SRS does not mean anything, but the desire to have the proper parts means a lot.
It's understandable that you may not have the money right now, or you may be afraid of surgeries... but these are things that can change. I'm horribly afraid of surgery. I even get panic attacks on occasion when injecting my hormones. But that hasn't stopped me yet and it's not going to stop me from getting surgery when I can afford it.
Live your life as who you are. No one is telling you not to. But it sounds like you're still working out who you really are. There's no need to label yourself yet. Just find out what you have to do to live your life and the labels will fall into place.
And there isn't a "I'm more transexual than you are" mentality... because you're either transexual or you're not. There's no in-between. If you don't totally identify with the sex opposite of yours, than you're not transexual. You could be transgendered, and there is a very wide spectrum of transgendered people. Being entirely cis-gendered is on one end and being transexual is on the other. You could be 90% female and 10% male or whatever (not like we could actually figure out those numbers), but that makes you transgender, not transexual.
Anyway, as I said, it doesn't matter what you are. What matters is that you find out who you are and can be that person comfortably. And your feelings change as you grow and learn who you are. What you thought you felt one day could have been a product of your past repression or ignorance and you can feel different about who you are the next. A small example: as I said I was disgusted by my penis for a looong time and I just assumed that was normal. Then as I grew up I learned things and became more honest with myself and realized that... wait, it's not normal for a guy to hate his penis... something else is going on here!
Kate is merely helping educate her on what a transexual is...
I take offense to that label!!! :P
Oh and therapy++