Oh Reine. I much prefer it when you are giving your views. I now have to put my thinking cap on.
My dressing has cost me one wife and could have (and still might) a second wife. There are significant financial costs in dressing - even a good deal of additional luggage to cart around when travelling. So the cost part of the equation is high.
Frankly though I don't know why I dress at such a high cost. I used to, on occasions, try to understand but now just accept. Presenting as totally female to the limit of my ability sure gives me an absolute high when out dressed. I love the planning and try to perfect the execution. It brings me joy and happiness. I meet and interact with friendly accepting people that I would never otherwise meet. I do things that my male trained mind sometimes wonders about my sanity - but when totally en femme such thoughts are overtaken by the joy, the sense of 'rightness'.
I don't find wearing female clothes at home sufficient. It needs to be the full female expression out in the community. But I'm still using words like 'joy' and I do like the 'feel' of female clothes.
So, I dunno.