
It is your body and your choice, and you know yourself best, so perhaps you are correct that you would need to pass in order to be happy. I will say that: while the effects of HRT indeed are not as significant if you start later, there are many trans women who successfully transition at 30+ years old (I agree with the other commenter to check out r/transtimelines).
Also, I will say that for me, going on hormones and having developing a more feminine face and body has vastly improved my mental health, even if I still don't pass most of the time. E allowed me to feel the joy of living for the first time. The optimal decision for when/if to start hormones depends on each person's social and societal situation, as well as their current level of dysphoria, which for me was very severe.
It is statically proven that HRT improves the mental health of trans people by a significant amount. But it is not a panacea, and obviously sometimes it can create interpersonal problems due to transphobia, so make whatever choice you think will make you happiest overall. I encourage you to really consider the option, though.
everyone can pass but it takes time and effort and money, which a lot of people can’t front. it’s not like it’s your fault you have those circumstances, but it’s not like it’s impossible. the narrative that some people “just can’t pass” is incredibly discouraging for those questioning btw.