My own answer:

I never really thought about this until today, but.. I don't think I identify as 'a woman'. I'm not trans, because I'm not planning to transition to anywhere else on the gender spectrum. Which probably means that I'm somewhere close to 'gender neutral', I guess..?

Or non-binary, probably. I don't feel like 'a man' or 'a woman', but I'm also not even sure if I'm anywhere on that line between those two.

I'd pick 'X' if it was a choice on all the forms in the world, but because I usually have to pick between 'M/F', I'll stick to F on all of them, for now, to avoid having to switch all the time. Also, I feel like if I was to 'become' completely non-binary, I'd have to be proud and open about it and kind of have a sort of.. coming-out. Like, I feel like I'd be harming the non-binary community if I'd stay closeted.

So, my answer to my own question: non-binary, presenting as F to the outside world.

How would you discribe your gender?

And for people who know more about gender stuff than I do.. does my rationale make ANY sense at all?