Rat - your position is fairly close to mine, I think.
In most social circumstances, I would treat trans women as women. I'm no more worried about being assaulted than I am around anyone else. There's some occasions when I think risk assessments are required - we've seen today the consequences of not doing that, headlines about trans rapists in a women's prison don't help the majority of trans people who just want to get on with their lives.
Problem comes when I'm not allowed to organise around things which only affect people born with female bodies as women's issues. I've literally been told, repeatedly, that abortion isn't a women's issue, when it seems obvious to me that it's about the place of women in society.
I can't organise groups around the shared realities and linked oppression of being born into and living in a female body. My life would have been very different had I been born with a penis, I want to talk to other people who share these experiences, and I can't. I'm not even allowed 'no cis men' as the basis for a meeting. Seriously.
I'm not allowed to talk about my own experiences of gender identity. I was born into a female body, which leads people to treat me as a girl or woman. I identify as a woman on the basis of a lifelong history of facing shared systematic oppression, which has shaped me in significant ways. I genuinely don't have an internal sense of gender identity. I've been disbelieved and told that it's transphobic even to say this, over and over again, by so many TRAs, but it is genuinely my internal sense of self.
The term 'woman' has a particular meaning that I need to talk about my own lived experience. I don't object to trans women talking about their experiences as trans women, or as currently living in a social role as women. But I need a word for people like me, and I keep being told that I can't have 'woman' any more. I'm being constantly redefined as 'menstruator' or 'cervix haver'.
I've spent most of my adult life around some of the extreme TRAs who are discussed on here. The moment I started to get uncomfortable was when I wasn't allowed to use the term 'female' or 'female-bodied'. Yes, biological sex is complicated, but almost everyone ends up with a body which is clearly either phenotypically female or male, and intersex organisations have put out statements asking TRAs to stop appropriating intersex struggles.
I want a world where people can do what they want with their bodies, without being limited by social roles. But we still need words to talk about bodies.
I grew up being told that I was a failure at being a girl or woman, and therefore failed at being human at all, because I didn't conform to shitty social norms, I loved sports and science and didn't care about my appearance. I work in an otherwise all male team, with male dominated hobbies. This doesn't mean I stop being a woman, if anything it foregrounds it, because I'm more subject to patriarchal bullshit based on shitty stereotypes of womanhood.
My body was never wrong. My body didn't need changing. My female body was not the problem. The whole concept of gender was the problem.
I need words and space to talk about this, and extreme TRAs keep telling me to shut up.
I don't want to stop other people wearing what they want, using the names and pronouns they choose. I don't want to stop them doing what they want or going where they want, except a very few circumstances which need risk assessments, like rapists in women's prisons.
I just need a bit of space and language for me, and to be able to talk about my life to people who share my experiences. That's all. But having spent most of my adult life around extreme TRAs, I'm not allowed that.