interesting two-pronged problem. I'll start with the smoking gun; being scared of hormones. I feel like this is mainly a problem of being uninformed or misinformed. With that, I mean: Anyone with a sliver of knowledge about HRT can tell you that it's completely safe. What are you scared of? Realistically the only thing you should be "scared" of is fertility, if you even care about it (i really don't.), and even then, you're not going to become completely infertile in a couple of months, hell even in a year. Now, to address the second problem: I'll start by saying that yes, it's normal to be scared. It's normal to have doubts, I won't say otherwise. I cannot speak to your character; I don't know who you are, but personally, my desire to be a woman overpowered my fear. I know not everyone is like that, and that it's a massive leap of faith. I will refer you to the confession number #5. I think it addreses that same fear of starting. Personally, I implore you to start as fast as possible. Feminization is reversable; masculinization isn't. I hope you decide soon. Good luck. I'll be praying for you.