With respect, you may be well-educated in the sense of having higher qualifications and still deeply ignorant on many topics. I don't say this to be insulting, as I would absolutely apply that to myself in all sorts of cases. Your level of pay has absolutely nothing to do with the price of fish (again, as someone very nicely paid myself).
With those preliminaries out of the way, the rest of your response reads to me as though your understanding of this topic is roughly, "if you don't do this some people will be sad, I can't see how it affects me, and I can't immediately think how this might affect fundamental mechanisms and safeguards of society. Therefore everyone should just do it. Be kind." It would be like me wading into a topic on the Israel-Palestine conflict, knowing full well that I know only the bare basics of the history and contemporary events (which, I'm slightly embarrassed to say, is very much the case) and confidently stating that people should just not kill other people because war is bad and it's all very sad and therefore [Israel/Palestine] should obviously just stop, while shaking my head and wondering why everyone can't just be as level-headed and kind as me.
You've acknowledged the issues with women's sports. Have you given any thought to men being housed in women's prisons (see sexual assaults that have occurred in the UK and rapes, impregnation and prisons now supplying condoms across the pond)? Have you kept up with the lack of female-only provision in rape crisis centres (see ERCC)? Have you considered the legal issues now faced when transwomen are put forward to perform as appropriate same "gender" medical practitioners for intimate medical exams or strip-searches, and/or insist on women performing these on them? Have you kept up with the now countless successful employment tribunals of women discriminated against, harassed and forced out of employment for stating in the mildest and most reasonable of terms concerns about, for example, safeguarding, LGB rights or data integrity given men identifying as women and being treated for all purposes as such (with or without a GRC)? Have you considered the difficulties thrown into equal pay legislation by including men in the "female" pool for consideration and women in the male "comparator" pool? Have you considered the little girls, let alone women, now expected to share changing rooms with naked men and boys (at school, in leisure centres and so on)? Have you considered that women and girls are now prevented from raising the alarm when a man follows them into the toilet? Have you considered schools that now house boys in south the girls on school trips or in girls tents for Brownies and Guides without informing the girls' parents, thereby contravention standard safeguarding procedures on the basis of sex, while pretending they are not doing so? Have you considered the women and girls who, for religious reasons, must now simply quietly self-exclude from these many areas of public life in order to avoid contravening their religion? Have you considered the rest who self-exclude simply so they don't have to deal with this sort of thing or risk being labelled a bigot? Have you considered how equal opportunities initiatives designed to further the opportunities of women and girls into areas they have traditionally been underrepresented (scholarships, women-only shortlists etc.) are being lost to boys and men who are already overrepresented? Have you considered the effect on public healthcare messaging and the measurable (and measured) difficulty unclear messaging (e.g. around "those with a cervix" rather than "women") has caused those women not lucky enough to be as well educated as the two of us, or who do not speak English as their first language? Have you considered the fact that men's health messaging has not been commensurately altered to include transmen? Have you considered that, in teaching girls (and boys) that there is inherently something more to bring a woman than simply being female and growing up, we are insideously but necessarily entrenching sexist stereotypes we had made great strides towards throwing off just a generation ago?
Have you considered that the distinct, robust language needed to describe these things is being obfuscated beyond any usefulness and that any attempt to meaningfully and frankly distinguish between women and men who consider themselves women is decried as offensive?
If you haven't already, I would highly recommend starting with Kathleen Stock's 'Material Girls', which is an incredibly polite and generous consideration of the basic issues, followed by Helen Joyce's data-heavy 'Trans' if you're interested in thinking about all this more deeply.