Refusing to accomodate disordered thinking about what type of mind is appropriate for men and women is "Insulting"? I rather think it's the other way round.
Look, as you yourself said, you are (relatively) young.
To be a woman is to swim from birth in emotional blackmail from men (and from male-centered society). To be constantly having your boundaries pushed by men who want to make you feel selfish and nasty for having them (and even probably believe it).
"I only want a chat, why are you treating me like a predator?" "Ah come on, it's not like I'm going to jump on you! You don't really think I'm going to jump on you do you?" "Someone has to be there for the kids, you know I always go out on Saturdays" "my ex was a psycho bitch! Thank god you're normal" and so on.
The older you get, the clearer it is.
So all this is just the same dynamic. Men finding excuses in how we say No to turn it into our problem, just us being mean, so they don't need to accept it.
You think there's a qualitative difference between nice real genuine trans women and predatory bad ones.
But there isn't, no more than there is a qualitative difference between men who rape and men who try to override boundaries in more socially accepted ways.
It starts with seeing women not as individual people but as a group who deprive them of something they are entitled to.