I'm from a slightly older generation so no, but rest assured, I went through my own similar periods before I started my transition over a decade ago :) I was close to your age actually.
There is a future, and ten years from now you'll look back and smile :)
I've done this before. It really depends on how far into transition you are, obviously not recommended.
I'm as terrified of losing access to my healthcare as you are. My plan right now is to try to switch to injections since they're easier to stockpile. I also want to ask my Endo for a double dose, explaining that it's just so I can stockpile.