I haven’t done any research lately on surgery cost, but you say you are 68, so I assume you are either on Medicare or the VA system. Medicare pays for gender reassignment surgery now because some sued them a few years ago and won. The VA doesn’t currently do this, but I expect them to start soon because all the services are doing gender reassignment surgeries now. In the last month I have talked to active duty trans women in the Army, Navy and Marine Corps. All said they were covered for everything deemed necessary by their doctors.
Regarding the junk, I’ve wished it gone for 40 years.