So, yeah, transitioned at 20, and because I waited to go full-time until I was passing >99%, I really never had the whole issue of looking visibly trans.
Parents were the big issue. I just needed to be independent from them in order to go through with it, because my folks would have tried to stop me if they had the chance.
I can still go on and on about facing bullshit though. Grad school and being a teenage girl hormonally do not mix, and that's just the tip of the iceberg. Still upset that I had to resort to taking out student loans to afford SRS, but it makes more long-term financial sense to do it now and get on with life.