All the trans women I've known and loved have hated their og anatomy, and I felt like it would be insulting to say that was what I wanted for my body when they fought so hard to get rid of it.

Not at all! What they wanted was bodily autonomy! And that's what you want!

And again, to bring a personal experience in to this, the person who helped me understand who I am, and accept who I am is a trans guy. He was the first trans person I'd ever spoken to, and what struck me was that despite his experience being the "opposite" of mine, he was also the first person I'd ever spoken to who understood what I was saying, who I didn't have to explain myself to. He just got it.

Which is to say, in the gender diverse community, the stuff we have is common is far greater than the differences. The experience of each gender diverse person is unique, but at the same time, just like so many others before them!

I'll avoid it anyway as I'd be scared of feeling like I'm insulting their masculinity by wanting something for myself that the surgery just isn't advanced enough yet to provide for actual men like them.

Yeah, that is something you need to be careful of. Not yucking on other peoples yum. But you can still talk about it. You can talk about your own hesitations, and you can ask them how they feel about the same things you're concerned about. Rather than "I don't want to do it because it's not perfect", you can ask them to talk about their own relationship with bottom surgery, given that it's not perfect. You can talk about your own concerns and anxiety, without positioning your experience as the one true perspective. They know it's not perfect. But they do it anyway. And honestly, it sounds like hearing the perspective of someone in that position would be really helpful to you!