I have met alot of trans women who don't want bottom surgery, I however have never met a trans woman who does not want to take hormones, and some of the ones I've met are also vegans.
Also, I doubt a doctor would consent to top surgery if she doesn't want to get hormones, most doctors would be like "Try this, you might get some decent boobs on your own" if doctors talked that way, it would be more polite though.
I also think I remember something in the ask characters anything thread saying that at some point in the future they are both on hormones.
I think some transwomen in sex work avoid hormones because it reduces your sex drive and all that, and being able to sustain an erection might be essential for their line of work.
But Charlie is not one of those... so probably hormones.
And re:not wanting bottom surgery... hi!

(Okay, I might want it; I'm not certain yet)
Also not to call tom a mary sue, but tab is on hormones I don't know if that means anything to any of you.
Er, that would just be an author avatar unless he's hyper-competant and flawless and kind of pointless. There are lots of author avatars that aren't mary sues.
And secondly, Tab only just recently started hormones.... much after Tom's story was written.