I should really respond by adding my perspective on the considerations you have raised. Bear in mind that I transitioned at the same age that you are now contemplating, as a self-employed professional who relies entirely on his clients and the professional environment in which I function to earn income.

Embarrassment: Over my lifetime I have acquired an infinite capacity to embarrass myself over matters that really count. What stood at the beginning of my transition was my realization that I was done accommodating the world any longer. I have never given much stock about what people think about me, since that is more a reflection of their values than my reality. So embarrass away.....

Life span: I have always embraced my mortality for a variety of reasons which would go to far in this context. Suffice it to say that the circle of life contains this element and I am at peace with it. Once I transitioned I experienced with tremendous clarity that if I died tomorrow I would have had a great life even with one day of being complete and whole. I have traveled my road and it contained happiness and joy, sorrow and pain and what more can I ask for, biographically speaking I am a princess not a beggar.

Life-to-date: Who I am is woven into the fabric of my life and why would I want to start pulling the threads and unravel, while the reality of my first 56 years fades into this tapestry and becomes lost in it's vibrant colors, I still identify threads and motives that have been with me as long as I can remember and I cherish them. There is no threat in this for me, it made me who I am today as a human being and for that I am grateful.

Health: you are dealt the genetic lottery and suffer the consequences of your actions as you get older. I am no exception. It is never to late to work on your overall health, now if I could only quit smoking I'd be elated.

Wealth: I echo what you said I am comfortable but not wealthy by any stretch of the imagination. I have to rely on my continued ability to earn my keep until one day I'll drop dead. While not a choice it is what it is.

Passability: I'm ok........

Gender Privilege: This has been an eye opener. We will see how this evolves. My male privilege was left at the admissions office.....