Look, I think there's some validity to the OP's argument, especially with the extreme late-coming transitioners, who have had testosterone have some extreme effects to the body, but the bottom line is effort and self-recognition. If a girl has the build of a linebacker and is as hairy as an ape, she had better drop a ton of weight and get it all lasered off. And, ALL girls should be on hormones immediately and indefinitely. The effects cannot be underestimated.
Let's give the example shown here:
http://www.hungangels.com/board/files/011_863_113.jpg
The problem with this girl is that she's taken ZERO hormones, as her body is clearly a slim man's one, and she's made no effort to drop musculature by cutting out the weights and dieting. That's the problem you have right here. I'm quite sure that if she didn't give as much effort as a beginning drag queen, she'd look a hell of a lot more like a woman.
It's not like it's 1950. The technology is out there. Use it.
The only rare exceptions i'd say the original argument is valid if a lot of time has passed and the body is so masculized by testosterone that no amount of surgery could change it (and age doesn't do that to everyone). There is a point when something is completely ridiculous and actually damaging to the community by reinforcing the stereotype of the 'bearded lady' that some of these late transitioners have to think of the interests of others over themselves and just not do it. The time has passed and it's best to move on. But, that's a small subset of girls...