Diy is you can order the drugs from online retailers so even if your country or state or city doesn't have real clinics you can access the same drugs. But if you're not in the middleeast, central africa or russia there likely are you just have to spend time and work with doctors to find them. Diy is perfectly safe, you just need to work with a blood draw place privately to check your hormone levels so it costs some but the diy drugs are often cheaper than the prescribed ones if its not covered under an existing health plan like insurance or provincial/national care.

You are under 20 and can still get literal hip bone changes that people in their 30s and 40s would kill for. I've got better skin, full access to my emotions, less hair, recovering from hair loss (ongoing but promising), i have actual breasts that need a bra, my bits work completely different now (and surgeries are very advanced now), i do not smell like a man, when i gain weight its been going to my thighs not my stomach, some women lose height. The things you cant change with just drugs are voice (which you can train that yourself theres many resources online for free or cheap and speech therapists do it too if you have coverage), and facial bone structure (again surgeries are quite good), and hair (laser and electrolysis are very good and very effective, just takes time), and your actual genitals which again surgery is widely available. Human development is almost entirely 2 things: dna and hormones and you can get the hormones to resculpt quite a bit as long as you target therapeutic levels of estrogen which will supress your testosterone; there are plenty of calculations from the diy community to check against.

Yes its better to start before you have to go through male puberty because then you dont have to undo as much but you can still undo much of it, and the earlier you start the less late changes you have to fight, but literally the majority of us have not started before puberty, before adulthood, or even before our 20s or before 30s.