None of us know you or your girlfriend so it feels weird, and presumptuous, to give an opinion about something as important as marriage - but you asked. You have been with this girl since you were 17 and she with you so for all practical purposes you have each only dated one person in your life (at least since high school). Given just that, and being only 22, the chances of this working even if there was no crossdressing issue is pretty small. Adding the crossdressing and her reservations about it, along with your reservations about her reservations, makes me think that marriage is a huge mistake. I know you can't understand this yet, but you and she are going to change a great deal in the next few years as you are just barely beginning to enter adulthood now. The world won't end if you put marriage off for a while - what's the rush?