You have indicated you have yet to step outside in the role of a female and you know that this is what you want for the rest of your life, huh? You say you can't go out in public because of your wife's job, how does you having breast augmentation not cause a similar problem? There are unscrupulous docs out there that will give a patient many drugs they shouldn't get. That doesn't make them good doctors! Read about the dangers of HRT. What effect will this route have on your ability to work? If your wife bails then what? The steps recommended came to be from previous lessons learned.
Any good therapist will read right through your charade and hopefully pull the pin on you for your own good.