A lot of people have said a lot of great things here. But I wanted to add a bit.
Firstly, you deserve to love the body you inhabit. You deserve to feel empowered by your body, delighted by your appearance, and enjoy the experience of being you. Everyone is entitled to that. And plenty of men love being men, they love the way they look, they feel empowered and joyous with their bodies and their presentations.
You used the word "fine" to describe your body, and "I dont really mind" about how you look. It just doesnt have to be that way. You can find joy in your own skin and in your own presentation. What that looks like for you is based on how you feel. For me that was embracing my femininity and allowing myself to be girly and to show my girly side to the world. That saved my life. Genuinely. I wake up every day and get to love the woman I am today. I spent years of my life hating the way I looked. I made the decision to pursue my own happiness because I deserve to be happy.
You deserve to be happy too. You deserve to love who you are. You deserve to feel great joy in your body. It should empower and uplift you, instead of passively existing alongside you.
Second, people transition at every age and can pass. I also didnt think I would ever pass. It did happen for me, and it can happen for you. Women come in every shape and size and they always have.
And lastly, how does it feel seeing yourself in male terms versus female ones? How would you feel being called a wife/daughter/sister? How does it make you feel to be called a woman? Gender euphoria is one of the most wonderful things I've ever felt. Before I came out I remarked how being called someone's son, boyfriend, nephew, brother, it used to fill me with dread. Being told I was a young man, that I would one day be a husband. It made me feel sick. The opposite, being called a woman, a daughter, a niece, a sister, made me feel like I had an actual place in the world and a real future.