Everyone is different. For me I have no interest in srs, but I absolutely do in hrt. Why haven't I gone through with it? I don't think it has to do with lacking "guts", that's kind of insulting, but at the same time it is a huge deal and there definitely is some fear there of how things would turn out. My main reason for not going through with it is practicality I guess. i'm married and have a son and my actions and decisions have direct and very significant impacts on my family. I definitely struggle with how much of my self to comprimise. My wife is supportive but if I transitioned I know we would separate. She is straight and wants to be married to a functional male, for which I don't blame her. It's an issue that's constantly on my mind.