Hi Demo,
Yeah, it does sound like it'd be a little frightening to be in a town w/out family around with only a new boyfriend to count on.
You may need to get a job in case things don't work out between you and your bf. So you'll have money stashed away in the event you need to find your own place.
I think it's always better to be independent-this way you won't feel like you owe anybody anything and they can't throw it in your face at a later time.
It's good you're happier with this T. She can help you through the tough spots. And no, I don't think you're being too optimistic. It's great that you found a doctor you feel is pushing you towards the direction you want to go.
Good luck with this.