Wow, what an encouraging bunch you all are (Robin excepted).
Hair transplant technology has come a long way since Joe Biden's plugs. A transplant can look very natural if conditions are favorable. I, fortunately, have plenty of donor hair and good scalp elasticity.
It helps to find a doctor who works on women and transgenders. Most work almost exclusively on men, so it may require going to a bigger city to find one. A feminine hairline is different than a man's and must be done properly to avoid the bad transplant look.
I've been told that hair from a section of the scalp, typically the back of the head, that is not affected by DHT will still be unaffected by DHT after transplant. For transgenders on HRT it's not a problem regardless.
It all come down to a question of affordability, no arguing that. There are so many other things that are competing for those scarce dollars. Plenty of women my age have thinning hair and choose to wear a wig every day, so it's a perfectly acceptable thing to do as a woman. It all comes down to personal needs and priorities.
I can relate to what Annie wrote, though, about removing a wig at night and instantly reverting to your former male appearance. Big problem for me, too.
There are many reasons gender dysphoria persists even after transition, and for me, not achieving a sufficiently feminine appearance would be a constant source of frustration and unhappiness in my life.
Clara