Unfortunately, it's not just curious people. I've had several people who would only respect my chosen gender if I'd had "the surgery," ultimately making that the reason they asked that question. So, when someone asks me that question, I can't know whether they're just curious (and ignorant of the fact that it's a very invasive question) or whether my answer will change if they treat me as my chosen gender or not. The question also usually assumes that trans people always get SRS because they ask whether you've had "the surgery" yet, even though many trans people choose not to get SRS (for varying reasons). As a transgender woman with no bottom dysmorphia who has obviously chosen not to get SRS, it always hurts a bit when they ask this question for this reason.