I grew up in a family where everyone sat by default, so to me peeing while standing up is less gendered than it is for most people, I think. I'd still choose the ability to do everything your average cis guy can do if I could, of course. I don't yet know if I'll be able to sexually penetrate my partner, but I expect to not be able to and that is a thing I will feel a little sad about. Ejaculating and standing to pee are more "nice to haves" but that doesn't mean I won't occasionally wish I could do them.
My experience of just this last few days, though... looking in the mirror and seeing a tiny but definite penis for the first time was a huge euphoric moment. I've tried prosthetics and they sometimes make the dysphoria worse, making me more aware of what I don't have basically. This is like the opposite, where sure, I don't have all those abilities, but I have a penis! It's familiar and a real organic part of me!
Looks like goodrx actually has a relatively easy way to compare, if you go to https://www.goodrx.com/testosterone and use the drop-down menu.
I will say, in my experience, the cheapest option is always injected (cypionate) vs. any kind of topical form. Kind of a bummer if you're scared of needles or just prefer the gel, but it's been pretty consistently true where I've looked.