Much of the issue of 'MN is transphobic' is that there is no shared meaning for the word 'transphobia'. This is what happens when a group commandeer a word and change the meaning for their personal agenda so that no one else in society has a clue what they're talking about.
Transphobia, like racism, like disablism, like sexism, has a general working definition for most people of unreasonable blanket prejudice solely based on belonging to that class, and/or abusive behaviour towards someone based on that.
The political trans lobby has messed with this so that abusive and legally unacceptable has been twisted from legal boundaries to petty playground stuff of 'not using the words I want you to use' and 'not unconditionally accepting who I tell you to perceive me as'. Transphobia in those terms has become 'not unconditionally complying', which includes even mentioning that anyone has needs that conflict with this. It's insane.
So MN: (generally) when talking about these issues, unacceptable behaviour (transphobia) is clearly specified in the guidelines. It's actually far tighter than around racism, disablism, sexism, etc.
TRA Lobby: even TALKING about this stuff AT ALL is transphobic. Nothing except unconditional and unquestioning affirmation of the ideology is acceptable.
So you will always get the 'this is not transphobic, women have needs too, there are massive downsides for women, and women's rights can't be removed to benefit males', vs 'it's terribly transphobic that they've allowed to talk about this!' dichotomy. Two groups with two totally different working definitions of the word. Which group has the better grip on reality and inclusion is a personal choice.
Then you also get well known TRAs who seem to either believe that regardless of their behaviour and its impact on others, any criticism of that behaviour is purely related to their trans status. Or that their trans status should make their behaviour unconditionally above reproach regardless of what they do and who it harms. I'm never sure which it is. But obviously doesn't represent any healthy or rational thinking, or create a society that will work. (And that will be called hostile and transphobic for some just because it implies a negative view regardless of actual fact, harms to others. Even mentioning it is wrong.)
To not be able to discuss this? That way madness lies.