Most of what you've described isn't truly age. Your response is also strongly focused on surgery and, to a lesser extent, hormones. I can understand that, as I mentioned them in the OP itself, but neither are necessary for transition.
In writing this, I realize how strongly I feel about social transition vs. all the rest. To me, the barrier IS social transition. After all, it's possible to undergo SRS and take hormones without ever living as a woman. HRT and SRS may convey considerable benefit - or not, depending on your goals, something you've illustrated very well. I recently wrote to someone that SRS was an affirmation of what they had already become. That is how I would regard itself for myself as well, best case.