[Misty0732]

Along that same line, I have to say it seems a little strange to me that a retired Air Force full bull, currently as highly placed in the civilian workplace as yourself, finds the $159 charge for such comprehensive testing to be too expensive. That's an easy way to go, and actually a paltry amount to pay. Not trying to offend you, just seems a bit odd to me.

Good points, and believe me I can afford the tests. The issue isn't can I afford it, it's just do I need to spend the $159 needlessly. Also, since my wife handles all the finances, she'll want to know why I choose that route over the insurance. She's not completely on-board with the feminization (although she does like being the decision-maker for the household), and I don't want to raise any alarms with her.

Also, my retirement is a reserve retirement (10 years active and 20 reserve) so I don't start collecting any retirement pay for a few years yet. Life will be REALLY good when that starts, but I don't like to wish the years away!