It all sounds pretty harmless. Is your fear that you will get pulled into this and go too far?
HRT is the point at which it becomes a major commitment, and that is mostly an issue because it can leave you permanently sterile in a few months time.
Don't get HRT unless you are of the mindset that you really want to live as a woman, completely apart from sexual stuff.
>Will it result in psychological problems?
You already have mental issues, by your own words. Maybe this would be therapeutic for you.