I really regret becoming confrontational because this discussion is actually really interesting and would be so much more enjoyable without a point to prove or defend. Even if it is the wrong thread!
Now my reproductive endocrinology may be fuzzy in places but bear with. Babelfish - people with XX CAH have uteruses and ovaries, the do not have testes. I believe this is because the presence of testes are determined by mullerian inhibiting factor found on the y chromosome and not by testosterone. Only after the gonads have been determined do the testes in males or ovaries in females either begin to produce or not produce testosterone accordingly.
So I believe that all women with XX CAH have ovaries and a uterus. None have testes (unless by freak coincidence they have a separate intersex condition). They will never produce sperm or be fertile males.
However, the structure appearance of the external genital tract and genitalia (that is vagina, urethra, vulva/scrotum and clitoris/penis (aka the phallus) are determined by subsequent testosterone production. In CAH the adrenal glands produce lots of testosterone even in the absence of testes.
Now, "male appearing" vs simply "male" is almost an arbitrary point. It is common in literature for XX CAH genitalia to be referred to as "male external genitalia", "phenotypically male", and "penis and scrotum". It could also be acceptable to refer to them as "androgenised" or "virilised" vulva/clitoris/genitalia. But all penises are a virilised clitoris, or equally, all clitorises (clitori?) are a non-virilised penis, depending on how you look at it. They are equivalent organs. If you have a structure consisting of foreskin, glans, shaft, erectile tissue that contains your urethra you have a penis or "virilised" female genitalia simply depending on the terminology someone prefers to use.
So absolutely not, people with XX CAH are not haemaphrodites in that they only possess female gonads and they can't produce sperm. But they may possess phenotypically male genitalia (the difference being their scrotum would not contain any testes), and as to whether this would be functional - it isn't ever going to ejaculate but otherwise could function entirely as a penis would (erection, sensation etc).
As you said Babelfish, if I found my own child in this position (male external genitalia, XX CAH) I think I would probably not opt for irreversible/destructive surgery until it became necessary and was the child's own wish. However, the question re medical treatment for androgen suppression becomes important around puberty as it could affect the female reproductive capability of the individual (eg their ability to produce viable ova and fall pregnant). Hopefully, at this time their gender identity would be established making decisions a bit easier.
It is my understanding that the vast majority with XX CAH have a female gender identity.