If somebody had a DSD, to the extent of having chromosomes usually expected of the opposite sex, how likely is it that everything would appear perfectly routine throughout your teenage years, & then a post puberty chromosome check reveals a significant DSD, to the extent that you are in fact not of the sex you have always believed yourself to be?
The short answer to your question, PurpleCrowbar, and I'll refer you to my earlier comment here, is this:
Chromosomes do not define sex.
If you have perfectly normal female anatomy and underwent normal puberty, your sex would not be redefined by the discovery of a Y-chromosome. You would still be of the female sex, just an XY-female.
However, what the professor insinuates and what you ask here - perfectly normal development when chromosomes do not match sex - is extremely unlikely. So unlikely in fact that I would wager this professor isn't speaking from experience.
Here's the long answer:
So if your young student in this scenario had a perfectly normal female body at birth, went through a normal puberty, started menstruating, developing breasts and had no other issues, but then a check of their genes revealed the presence of a Y-chromosme, they would not then be considered to be male because they wouldn't be male. Male = male anatomy.
For a fetus to develop into a fertile male, you need three conditions to be met:
- A Y-chromosome
- A working SRY gene
- A working androgen receptor (AR)
If the SRY gene isn't working, the result is an XY female - the determination of sex is here based on anatomy, which is typically female genitalia, but no ovaries and almost always no uterus.
These girls do not however experience a normal puberty and in the UK this would normally be noted, the child would be examined and once diagnosed, doctors would prescribe hormones to help pubertal development.
This is called Swyer Syndrome and extremely rare (0.00125% or 1 in 80,000 people are affected). It is even more rare, but women with this condition have given birth using donor eggs.
If the SRY-gene is working, but the AR is not working properly, the outcome is a person suffering from androgen insensitivity syndrome. Depending on whether the AR is failing completely, a lot or a little bit, such a foetus develops into a person whose external genitalia are typically female, typically male or a person with ambiguous genitalia (that is they are only partially masculinised).
A child with complete androgen insensitivity syndrome or CAIS is an XY-female, she has female genitalia, no ovaries and no uterus. With help in puberty she will develop female secondary sex characteristics.
A child with mild androgen insensitivity syndrome (MAIS) is an XY-male, with male external genitalia and may be fertile, although this often depends on taking testosterone. He will develop male secondary sex characteristics in puberty.
Neither MAIS nor CAIS children are likely to have a normal puberty without medical support, but can develop alongside their peers if this happens. Unfortunately, when puberty doesn't happen as expected that is often the time when the condition is first diagnosed, and this can often be more distressing than knowing about it earlier.
Children with partial androgen insensitivity syndrome (PAIS) are usually diagnosed at birth because they present with ambiguous genitals. Doctors will advise on the best course of action for the child and their parents then have to decide which sex they will raise their child as.
CAIS is rare, estimated to happen in 1 in 20,000 to 99,000 births.
PAIS is variously estimated to happen as often as CAIS or a little less.
There are no estimates for MAIS, but it is said to be less frequent than CAIS/PAIS.
Neither of these children would ever grow up to be the students in that zoology professor's scenario. The only condition I could imagine leading to a student being in this position is some form of mosaicism.
There is one reported case in the literature about an 46,XY-woman with normal puberty, who gave birth without any medical interventions. She has mosaicism but would be unlikely to be surprised by that Y-chromosome since her family had several persons with DSDs over four generations.
HTH