Go on T. If you want it you will be happier on it, trust me. Everybody acts like T is going to ravage your body immediately but it takes time to start impacting things like hair loss. You also have the option of getting on finastride if your hair does start to thin

I know the prospect of looking less conventionally attractive is daunting, but living in a body that feels right for you is so much better than a body that looks good for others. You owe it to yourself to at least try it