>>Unless you work in medicine, actual biology of a person is irrelevant.>>
It's relevant in sports, where trans women have an advantage over natal women even after years of gender-affirming hormone therapy, and whether or not they've had surgery. It seems to be relevant to some women who are fearful of trans women in spaces previously reserved for natal women (rape shelters, prisons, even toilets).
Perhaps, Erik, you're ignoring these instances because they don't affect you directly. At this point you have to face your own tendency towards overlooking things you don't consider due to not being female.