I think in all cases of anything education is key. There are people who save up and jump into surgery without thinking on it. However many of the trans folk I know research it as best as they can to weigh whether or not it's suitable for them. One trans man I've recently met hasn't undergone T treatment (I'm unsure if he got top surgery or not) because he is fearful it will alter his singing voice. Singing is his passion. So he's opted to stay with his current body despite being trans male There are more trans folk who don't get surgery than those that do. And any choice they make I respect as long as they're responsible and happy.