I don't have a penis. I have a vagina. Am I OK?
I think many women would be okay with that (including me) and I think this is why this whole issue has only blown up recently. When the GRA was passed, people imagined old-school transsexuals like yourself, not people who chose to remain fully intact. The problem is that I don't think we can mandate that people have surgery, as surgery is expensive and risky.
Pre-op, there is no way I would have put myself in the position of having to undress in front of other people—for my sake or theirs! I think most trans people are the same.
Some are, but given that most trans people will not go on to have surgery, they are presumably using changing facilities etc without undergoing physical transition. I think the goalposts have shifted now- for many younger transgender people, it is now perfectly acceptable to retain and be proud of the original sexed body (you hear things about female penises etc). Also, groups like Stonewall include cross-dressing people under the trans umbrella.
I have a huge amount of sympathy for people with genuine gender dysphoria who transition. I was watching a clip of an interview with April Ashley the other day and it was very very moving and at university, I remember reading Bellinger v Bellinger and being outraged at the court's decision. I actually think the government is letting down both women and old-school transsexuals by being so blase about gender and making it just about filling in a form and suggesting that people can transition an unlimited number of times.
And for those who do pass and nobody knows, I don't think it's an issue and they wouldn't cause any discomfort to women (if those women had no idea the person was trans).