I will say, regarding the psych clear, I got cleared for hormones within a few months and top surgery within a year. That being said, I was already on the butch side prior, working with a queer friendly therapist, and going for her for a different issue. But my point here is - trans surgery which is becoming more commonly accepted doesn’t necessarily take years anymore. I imagine if you find a good/open minded psych it may be less of a process than you think, though it’s probably best to brace yourself anyway.
I would reckon the urologist may be the difficult part.