Not all trans women have penises. In fact, if anything, many of them have the goal to have bottom surgery to change that fact, so to me adding "with a penis" is inaccurate and redundant considering the person is biologically male, and it's really not my business whether or not they have their penis or if they've had bottom surgery
Yes, I understand that. Although my worthy opponents on this forum have pointed out to me that bottom surgeries are fairly rare
So good for you that it's "not your business". The women I've talked to about this DO NOT WANT people with penises undressing in women's locker rooms and / or leering at women as they disrobe in those locker rooms.