As many of you know, I am not anxious to have surgery any time soon, even if I had intense cross-gender feelings. Personally, I generally just don't like to resort to surgery, unless it can't be avoided. Even if I were convinced I was a woman in a man's body, i would probably feel that living with that situation wouldn't be so terrible, that changing it would not be worth the risks of anesthetics and surgery, and would not be worth the pain and period of disability resulting from surgery.
In fact, as many of you know, I waited to have hernia surgery until it was apparent that if I didn't, I would hardly be able to walk anywhere, and would be in pain most of the time even when seated.
Yes, generally, in the US, doctors will not do sexual reassinment surgery for any other reason than you have feelings of being internally the other sex, even tho you are externally the sex you are. However in parts of asia, you can have sex reassignment surgery, and good quality surgery too, without the same psychological workup required in the US
There are many homosexual woman whom I find extremely attractive, and would, figuratively speaking "die" to be with. But to actually have surgery in order to be with one -- even if it were guaranteed -- I would't do it. It is good to think about. Interesting to think about. But I'm just not real enthusiastic about having conceivably beneficial, but not absolutely necessary, surgery.
I might add I don't have any particular feelings of being one sex or another. I don't view myself as male or female. I'm just me. And I find women sexually attractive.
I don't feel like I'm a female in a male body. Nor do I feel like I'm a male in a male body. Nor do I feel like I am "androgynous." I'm just "me." I don't think about who or what I am. That is just too much to worry about. No need to bother myself with such things. I think about what I like.
But if I can't have what I like, I'll find someone else. It is no big deal.