You may be able to find a surgeon in Windsor. I haven't heard of one doing FTM top surgery there, but you might find a surgeon doing gynecomastia surgery, which could be appropriate depending on chest size.

A little further away is Dr. McLean in Mississauga, who does very nice work, and Drs. DuPere and Adbifar in Toronto.

Money-wise, your best bet is OHIP and CAMH, despite the wait. You can't save money because that will affect your social benefits. I know waiting sucks, trust me, but one year isn't too bad comparatively speaking. Sorry I don't have a "magic bullet" answer for you!