Hi again, Jo. I commend you for telling us the story of your gender identity history. Few are as brave and forthright as you, at least when they first join this forum. I think your being able to articulate your feelings, to acknowledge your sexuality, and to seek resolution is going to put you on a path that leads to personal fulfillment over time.
Your story is very much the story of a crossdreamer. It's not a label that people here use, but I discovered my own female gender identity when I learned that I am a crossdreamer, i.e., a man who dreams about being a woman. Autogynephilia is the technical term that psychologists use, as introduced by Dr. Raymond Blanchard, but the word projects rather negative connotations (it's not a disorder), so I prefer Jack Molay's term -- crossdreamer.
Except for your being bisexual, much of what you wrote mirrors my own experience. The big difference is that I, being much older than you, lived in ignorance of cross gender identity as a human condition that can be treated. My life was consumed with attempts to overlook, deny, and suppress my subconscious female identity. You have the opportunity to deal with it in a positive way at a relatively early age. I think it's something that you should do if you feel that it is what you really want.
Transitioning to live as a woman is naturally a frightening thought at this point. It might not be the right course for you either. I don't think there is any need to rush into any kind of a decision at this stage. It might even be best to believe that transitioning with or without SRS is not what you want. No one should feel compelled from within or without to take that path if there is a shade of doubt about its appropriateness.
Having said that, I also think that introducing your body and mind to the effects of slow acting, non-prescription, herbal estrogen is a good way to learn about your gender identity and whether feminizing your body and mind is right for you. Because the process is slow compared to synthetic estrogen drugs, you have more time to understand the nature of your gender dysphoria and what it means for the future living as a man or as a woman. You may decide that transition is not the best course after all, and it won't be too late to back away.
On the other hand, your experience with NBE may, over the course of several months, convince you that going all the way is the right thing to do. The uncertainty, which I believe is the source of your anxiety and fear of going transsexual, will likely lift as your feelings become clearer and you can better assess the compromises that you face.
I think you probably already know all this judging by what you've expressed so well. I wish you well on your journey which is about to begin. You'll get lots of help and encouragement here if you want it, sweetheart.
Hugs,
Clara