I started even later... it's lovely to finally inhabit a body that I enjoy. It's tanken a lot of work to get here. It probably only would have been less if I'd transitioned as a teen, but I doubt that was possible in the 90s. Finding yourself and being yourself at any age is the best.
It really is never too late. I started at 33. Physically, all the stuff they said could only happen if you transitioned as a teen - it happened to me anyway. Life-wise, post transition I've gotten a doctorate, scored my ideal job, and found an amazing wife. It's literally never too late, y'all.