Here's what I say to those who talk about age cut-offs to be trans. Let's suppose an AMAB is born into a conservative family and is sent to an all-male school. That AMAB is expected to go to university and does (it never ceases to amaze me how the right-wingers attack university education, yet don't understand that a university education should be determined on ability not ability to pay) but is not able to escape the yoke of their conservative family until they are in their 20s. Or, they have to wait until their parents die to come out.
Okay, there can be two possibilities for some. If someone is cisgender gay, it can be that Johnny is the son of a wealthy doctor and pastoralist, and he is sent to the city for his last two years of high school as a boarder, and from there, he goes to university to do medicine. Johnny's mother starts to get a bit broody and asks if he's met a nice girl. He writes back home saying that he hasn't, and this goes on for years. When Johnny is 23, he graduates from university and his parents come down for his graduation. They go home and Johnny says that he'll be home for Christmas as soon as he's found a place to rent for when he starts his internship. He still says he hasn't got a girlfriend, and his parents think he's just too busy with study. He completes his internship and tells his parents that he doesn't want to go home and take over the practice run by his father, who is looking to retire. Johnny tells his parents two years later that he'll be home for Christmas, and he has someone for them to meet. Johnny drives up to the family homestead in a small car and says, "Mum and Dad, I'd like you to meet Fred." Their jaws drop to the ground and they are speechless. A tear rolls from Johnny's mother's eye as she learns her son is gay.
If, however, someone is transgender, they may get married because they're in a similar situation but in the city and their parents would disown them if they knew. So, they mask (the same can happen for a cisgender gay person) and they get married, and at 55-60, they say that they cannot continue the facade and come out. They should not be told, "Oh, sorry, it's too late."
For some people, too, surgery may be too risky, but hormone treatment is not.