My therapy also worked. More than anything else, it got me to a point of accepting myself -- both of me (see my signature) -- but I don't feel that I need to transition.
Also, I got over the fear that going to a therapist made me a "mental case", to use a (non-politically-correct) term from my youth.
I didn't seek a financial analyst (because I could easily figure out the answer myself). My wife and I may be able to afford to live out our lives out comfortably on my retirement, my social security, my IRAs, her social security, her IRSs, etc., provided we stay together. Neither of us will have an enjoyable retirement if we have to split the retirement in half.
There are also some chronic, possibly life ending medical conditions that we both have. I'd prefer not to face mine alone, and I would prefer to abide by my vow of "in sickness and in health" with respect to her medical conditions. I'd also like to be able to "walk my daughter down the aisle" if she can find someone who will "put up with her" (she is very strong willed) while I can still walk.
So, I'm willing to compromise, but "never dressing ever again" is not the compromise I'm looking for. Right now, the compromise I have is acceptable to me. I guess you have to consider how far you are willing to go.