haha! Yes... that is why you need to be a bit careful choosing a t-girl. We don't all look like Docker Dave in a Reviewock! haha!
I like to think that I am quite pretty actually, and I have met a small number of t-girls who you would just never in a million years know were anything other than a complete woman (I hope I fall into that category?).
So you are going to bed with someone who you see as a woman and so can feel attracted to, but getting that little something extra too
hehehe... yes, there is that!
I can usually tell after a little investigation whether or not it will be okay, and if I don't think it will then I will tell the guy so, and he can make up his own mind whether to go ahead anyway.
Funnily enough, not many guys who see me want me to be active. Odd that. Most just want to try oral, but find the idea of going with a bloke quite repulsive? But because in all other respects I am not one, they can get into it. Like you said, not homophobia or anything, just sexual preference.
Funny old world.