First and foremost you need to discuss this with a medical professional.

Bear in mind that SRS is not all it is cracked up to be, at least for some people. There can be serious complications both short term (a friend of mine almost bled to death after her surgery), and long term (loss of depth, sensation, post-op depression etc.) If you can live with the genitals you have, you are really better off remaining as you are. And I say this as someone who is part of the "sex change industry."

And like Katya said (hi there Katya!), there can be implications for future relationships. Especially if you are only attracted to GGs/cis women. It is hard enough finding a GG when you are a feminine but physiologically intact male, even harder with breasts and/or a vagina. SRS will also leave you completely infertile.