I guess I'll take the contrarian view here. You sound pretty trans to me, Amanda - you just haven't come out to yourself. Contrary to popular belief, coming out to yourself is the hardest person you'll ever come out to.
Wanting to be a woman is a pretty normal feeling if you really are one inside, and just aren't able to admit it yet. There's plenty of pressure in your life to stay a man. I won't kid you - transition is harder than anything you've ever faced and harder than anything you can imagine.
Whether or not it's worth it depends on how miserable you are as a man.
Of course whether you are really a man or a woman inside, or something in between, only you can figure out, maybe with a little help from a gender therapist.
But my guess, fwiw worth, is that you are more than just a CD.
