The distinguishing term is cis (born that way) vs trans (hormones, ops etc). Hence I'm a cis male because I was born as one. Had I become one I'd be a trans male. I think that's right.

> "regular women" can be perceived as insensitive to trans women

I know a few trans (mostly t-women) and insensitivity/nastiness is AFAIK not so tied to gender.