@GroundDead
I have enough kind hearted relatives that the additional costs could be largely negated by their aid.
Personally I would see it as a plus to be able to properly roleplay female characters as a GM/DM/etc rather than have to go "She says that" on top of it being non-silly playing a female player character in other tabletop sessions.
Menstruation would be a pain though. But frankly, I would just consider this a new run at life, granted the complete gender swap female body was at the very least as good looking as my male one (slightly above average, if I bothered to try to look good).
Honestly, masturbation would he around 6th or 7th in my lines of priorities. Though I wonder what you meant by "masturbation potential" I mean, I don't looke at myself in a mirror and get off like that and I suspect you wouldn't feel attraction to your own body after a while... though i guess women have way larger field of "masturbation aids" than guys do for now.