i am speaking from experience, i'm a trans male who is almost complete in my transition since SRS is later this year for me, personally.

here's a difference in the two situations you mentioned: that's about her accepting her body, or having no dysphoria surrounding it... if this changes, she can get SRS without problems. you're referring to altering your body, which is different than accepting it - and its likely that this desire for altering stems from dysphoria. if you go through with SRS (which is pretty difficult, as it is extremely expensive without insurance and most insurance companies will only ever cover these procedures for trans-individuals) but regret it in a few years, its completely irreversible.