While there's an asshole part of me that wants to send some dumb meme, but I'll be a relatively big person and contradict it. I've really got nothing worth saying outside of 3. I'll put it in the next paragraph.
Your reasoning is sound, more sound than I'd like to admit. I've said before, and I'll say again, that SRS shouldn't be performed on minors. Maybe there's a case for older teens (i.e. someone who's about to turn 18 anyway) who can actually consent on the matter, but you have to be very persistent and very lucky to get that far before the age of majority, considering the WPATH standards that most surgeons and insurance companies follow. Puberty blockers, I consider to be a different matter (and even then I'd reserve them for ages 12 and up, when a kid can actually understand the ramifications) in part because studies have shown them to be fully reversible, unlike HRT and especially SRS.
I went in expecting to get into a big tizzy, but I found myself agreeing more than disagreeing. Oh shoot, am I transphobic? And what the hell. Now that I've finished, I feel obligated.
Spoiler alert: dumb meme mentioned at the beginning; mods pwease no steppy