I'm with those who suggest you just try the dress-up, or real life experience, as I think it's called. make sure you want the full procedure 100% without any doubts before you have it done. But if it's what you really want to do, then go for it. It's your life, and it's the only one you've got, so do whatever will make you happiest.
I'm kinda in the same boat as you, but a little different. I was born with both male and female sex organs. I had decided several months ago that I would be happier looking like a girl, even though I had tried to identify as a boy for most of my life. I have naturally wide hips and narrow shoulders, so I wasn't really cut out for the look, so I got implants. Big, bouncy 34DD boobies I kept my penis though. Not because it's fun to give oneself tugjobs, but because I considered myself more of a trans than an actual girl. I identify as one though, and I crossdress 24/7, but I wouldn't think of having a penectomy, just because that remains as a large source of pleasure. So what I'm saying is, make sure you really want to go through with this, and only go through with it if crossdressing and identifying as a woman in public isn't good enough for you (in other words, if you really want the boobs and vag).