I don't think it is transphobic for someone to not want their teenage guide to share a tent with a male born person without knowledge or consent.
I don't think it is transphobic for a female athlete to want to not want to compete against a male born athlete, even if that athlete has taken testosterone reducing steps, as they will still have other physical advantages.
I don't think it is transphobic to say that male born prisoners should not be housed with female prisoners.
I don't think it is transphobic to say that the rights of a trans women do not 'trump' the rights of female sex women. Women have been discriminated against for centuries because of our biology not because of our feelings.
Furthermore, a woman isn't defined by what job they do, whether they wear high heels, skirts or makeup. It is not defined by having long hair, or wearing sparkly tops.
If a trans woman wants to be treated as if they are a woman then that is a good point for discussion to see where/how they can be accommodated (as was happening for years with transsexuals). But as soon as someone says they literally are a woman then they've lost me, as women are defined by biology. Anything else is Orwellian, 2+2=5.