Hi Brianna,
I started with BO and few years back, I developed some nipple sensitivity, breast growth and fat redistribution but no real budding. There was a mental change that took place that's difficult to explain, calmness is the best word for it.

I switched to HRT about a 11 months ago and started budding around 3 months into it and my breasts are starting to take on a more feminine shape and verysensitive, I think I am somewhere at tanner stage 3 or 4 and fat distribution has been a little more rapid along with increased pelvic tilt which caused noticeable joint discomfort. The mental changes that have occurred with BO have not changed which leads me to surmise that BO really kicks in estrogen production.

Overall I have been happy with the switch, all the information I have read up on about HRT, it seems it will take between 3 to 5 years for full feminine development to plateau. I have no intention to transition so I am not sure what I will do at the 5 year mark, I never really wanted to be on hormones for ever, maybe switch back to BO for maintenance, however estradiol is probably cheaper.

I think you will be happy with the results, regardless of whether you are male staying male or transitioning to female.