Where does “I understand that you claim an “X” identity and I will refer to you by the pronouns you want me to use, but personally I don’t see you as a member of X gender?” fall on the hateful/transphobic spectrum?
Like, if I were looking for a roommate (not to share my apartment, but to share my bedroom), it would be important to me to find someone who I feel belongs to my gender. I know the ad I’d put on craigslist would be explicit with respect to my gender preference. I’m not even sure I can even articulate why this would be important to me. I just know I’m not interested in sharing my bedroom with a dude, despite not having problems with dudes in general.
If someone who resembles a dude* came knocking on my door and said to me, “I’m a biological male, but I am a woman. Can I please be considered?” I would probably go through the motions of interviewing this person. I’d be curious what the deal is, but I wouldn’t pry. I’ll be honest, though. I probably won’t pick them to be my roommate unless they tell me they are fixing to get on hormones, at a bare minimum. My concept of gender involves biology. Not necessarily natal biology, but still some biology. If the dude-looking male told me that they weren’t going to take female hormones or get surgery, then I would really feel like I was dealing with a dude. And like I said, I wouldn’t want to share a bedroom with a dude.
But that’s me. I know there are other folks for whom hormones aren’t enough to switch gender. So they would never see the male-presenting biological male as a “woman”. I am not ready to call those people “hateful”. Because it seems to me they just have a definition of gender that rests on the kind of private parts a person is born with. Which to me is perfectly understandable, since that is how 99.9% of humanity has defined gender since the beginning of time.
*Looking like a dude = there are not enough clues in their visual presentation to make people naturally go to feminine pronouns when they see them. If people automatically refer to you by male pronouns and describe you as “man” or “guy” when they see you, then you are “male-presenting”, in my book. A person wearing feminine clothing with some facial stubble would not be "male-presenting’ in my book. For such a person, their presentation is ambiguous enough such that male pronouns wouldn’t be the default, at least for me.