Well, hopefully not literally painful. I've been told there will be this thing called anesthesia involved. Fiscally, yes, absolutely... but then, ten weeks of pre-tax work is either a lot, or very little, depending how I look at it. I'm just privileged that it's *only* ten weeks of work.

IMO, there would be much better surgical options by now if cis dudes weren't in charge of the medical establishment and didn't feel threatened by the idea that if just anyone could go get a perfectly satisfactory penis, not everyone would choose to.