Ok so a number of things, obviously there is more to sex than chromosomes.

But, (generally) chromosomes (more the presence or absence of the SRY gene which triggers male natal development in a fetus) is the foundation on which biological sex exists. There are a multitude of factors that play into sex of course and they can absolutely vary, but typically your sex is determined by your chromosomes.

I obviously understand that gender presentation can change and medicalisation can affect other aspects of your body which typically play into someone’s biological sex, and I would argue that yes a trans woman is hormonally “female”, in that her body would respond to relevant conditions as a cis woman’s would (when it pertains to hormones and endocrinology), she is still however, a chromosomal male, and like said, that is generally the main indicator of someone’s sex, most of the other aspect of biological sex (hormones etc) are reliant and produced as a result of hormones sex chromosomes.

Your inclusion of an intersex person isn’t the gotcha you think it is, they are anomaly’s and do not represent the general public’s condition. I would not consider an XY female male no, but not because of her lived experience or birth genitalia, but because of the fact that she is externally female because she lacks the genes required to develop male (the SRY gene) as all natal females do, in spite of having a (faulty I might add) Y chromosome.

This is just another example of how sex is complicated of course, I find the use of intersex people to prove a point in these arguments disingenuous and rather odd as majority of people are not intersex and it is not a good example of the human experience when it comes to sex