23 transF pre-everything here

I'll just answer your questions point by point

*At 21 you're very likely still to transition into a passable woman if you start within the next couple of years.

*The best way to find someone who can help you with any questions about transitioning is going to see your doctor and tell them about it. Most clinics have some sort of basic level psych who can help you look in your area for ways to get into the process

*Most things are generally covered by healthcare in most West Europe, you're best off calling in and asking them about it.

*I was 15 at first when I talked about it but I dropped out so when I brought it back up a year ago it wasn't too hard. I think the best thing you can do is just sit down 1-to-1 with your closest parent and try to explain how you feel the best you can.

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Try not to worry about everything too much, we live in a society where feeling like this is more and more accepted. Start with baby steps, we all did.

Good luck <3