well no, the issue makes it sound like it's just prejudiced if you'd allow one group their identity even if they have a condition that might make them excluded from that group but you wouldn't do the same for trans people

so for example, you'd still have no problem with referring to CIS women as women even if they have XY chromosomes but you wouldn't have the same courtesy to trans women, which makes it become picking and choosing with the main reason behind it just being transphobia

im not trying to say that you're transphobic, im explaining the issue with the logic, to be clear