Hello again,
Well the ambiguous genitalia makes you definately intersexed (or DSD) not that IS is so good to be, and it probably eliminates PCOS as the culprit. The facial hair and deeper voice mean that you probably don't have Androgen Insensitivity syndrome. Smaller breasts would maybe tend to indicate that you're not getting enough estrogen/progesterone.
I can think of some scenarios, but first a few questions. You say that you've known something is wrong since you were 13-14. Hope this isn't too personal, but are your periods normal/irregular/non-existant? (2) Your genitalia is ambiguous now, but no one noticed before when you were a child; do you think that something changed, or that no one noticed it before because they were inattentive? (3) Have you been having any of the symptoms of adrenal problems?
http://www.hmc.psu.edu/healthinfo/a/...ufficiency.htm
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Patients diagnosed with adrenal insufficiency typically experience fatigue and loss of energy, loss of appetite, nausea, vomiting, diarrhea, abdominal pain, weight loss, muscle weakness, dizziness when standing, dehydration, anxiety and depression. The patient may also notice increased bronze pigmentation of the skin and mucous membranes and decreased tolerance to cold. Women lose pubic and underarm hair and stop having normal menstrual periods.
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There aren't any "right" or "wrong" answers to the questions, they just help to narrow down the scenarios of what condition is troubling you.