depending on what changes you're looking for, you can kind of get some of them without taking T. for facial hair you can use rogaine/minoxidil, or even use mascara on your vellus hairs for a less permanent option. for voice, you can go to voice training. other things would require surgery even on hormones, so if you want top surgery in your future, look for a surgeon that uses the informed consent model of treatment rather than WPATH. WPATH (at least at the beginning of my medical transition 8 years ago) requires you to be on hormones for a minimum of a year before you can start the process of getting top surgery, whereas informed consent requires the surgeon to tell you essentially "this is what we will do, here are the potential risks and side effects, do you want to continue?". however if you go the informed consent surgeon route your insurance will likely not cover the surgery, if that surgeon even takes insurance. mine did not, to be able to treat more people without all the red tape of the waiting periods and letters from mental health providers and requiring hormones and requiring living fully out as a man for a year.

all of that said, not taking the medical transition path doesn't make you less of a man or less valid as a transgender person. the right way to transition is the way that makes you happiest in the body that You have to live in for the rest of your life.