Elizabeth,
What I'd read here and in other websites is that is unpredictable to know the reaction of hormones in the body. I mean, boobies, hips, booty.
For the grayish of the beard I'm clear that hormones don't help so laser or other treatments are needed if you really want to pass unnoticed for that.
There are another male signs in the face that some people go for feminization surgeries.
So the answer to your question as a timeline doesn't exist. If I were in your case and you're out in your job and family I would go in full time woman but I've been working by my own feminization for more than a year, Very few blueish for the beard in the face, I did my eyebrows, no hair in the body, etc.
So my answer would be it is up to you.
