Without statistics to back this up, I believe that most MTF crossdressers underdress only, purely based on what I've heard. My father only undressed his entire life as far as I know. So it's quite common.
Really, though, I wish I could back in time to when I was nineteen myself and change what I did. I essentially cut it out of my life out for a long, long time, even though I always wanted to. Some people would have rejected me on that basis, I imagine, but I think I would have also opened up earlier to communities that would have been more accepting. I don't regret my choice exactly; life could have been more interesting, however.
In the end, though, don't force anything. Do only what you want to do. There's nothing to feel bad about, but it might require some time to balance out the issues society has created within you, without you realizing that this has happened.