Yeah I will say the hormones are easier here. I had thought the clinics also helped them coordinate surgery, but I don't really know well, just going off of something I read and it's possible that it was just one clinic that happened to offer that service, too.
For hormones here the hardest part is finding a therapist and/or psychiatrist to write the letters and in some places, finding a doctor willing to prescribe and monitor and fill out a support letter and all the paperwork to get prior authorization for the off-label-use dosage since you need more than a cis-woman which is often all that's covered by default and often isn't covered at all by default if your birth gender marker is M. When my plan changed this year I had to start getting the prior auth every 6 months because I exceed the max covered dosage by 3x.
I was lucky to have a primary care doctor that was experienced, though she moved on now. And I found a list of therapists willing to write the support (gate-keeping) letters with only a single, virtual appointment, though I had to pay cash and needed 2 of them (one at least PhD level and one at least MA level) for the surgery. For me the hormones only required one and could be MA level, though. I was on waiting lists for both therapists and psychiatrists at the time, so that list saved me. There's a shortage of mental health providers around here, too.
And the letters technically are supposed to require the mental health providers to know you well, but a lot of providers know that's just gate-keeping. And, some insurance still requires the even older WPATH recommendations that you get one that does and one that doesn't know you. My insurance is only one version behind, though, using version 7, but some use 6 or even 5 still.
When they absorbed their only real competition and instead of using their advantages, just got rid of them, I knew it was the end of good subs and dubs very soon. I don't want literal translations I'm subs without explanations or AI voiced dubs with poor acting ability or plain monotonous speech like they used to be a few decades ago. I want people to be there translating more than just j individual words.