I'll side with Lorileah. First, so many here have this "my way or the highway" attitude; if you're not having surgery, then you don't belong here as you're just a poser. Well, I currently don't plan on having surgery, yet I have little in common with the crossdressers and their section either. I have simply labeled myself transgendered; I never refer to myself as a TS or as a CD. Does that mean I should avoid the TS section completely? Whatever...
Anyway, at 61 I am in a sense too old to get much use from a vagina. Nearly all guys my age are repulsive (fat slobs with narrow minds), so even if I had a vagina, I would not want them to enter it. No way! Were I twenty again, of course my decision would likely be different. But I'm not gonna be a beautiful young lady. Not ever.
So, do I want to be a typical 61 year old woman? Look around. There's a reason men don't pursue 60 year old women.
Thanks in part to hormones, I have a better female body than nearly any woman my age. I pass easily and enjoy being female (24-7 is a not too distant of a goal), yet I still feel thrill and excitement when I meet a good looking female.
Sometimes choices are all gray and none are black and white. Except, it seems, to some of you on this website.