That's not the same thing. Physical or mental disabilities have no impact on gender identity. I'm not going only appearance either. You seem to be saying (at least when it comes to gender) you are who you feel you are. I certainly don't disagree that has an impact, but it's not the only factor. Your physical biology plays a roll as well. So it seems not possible to treat a trans man/woman the same as a CIS normal man/woman in my view.
None of this really matters in most interactions. In casual interactions (putting any potential sexual attraction aside) I would treat a man and a woman basically the same anyway (so who cares if their trans?) Like in a workplace interaction or making small talk in a lobby or something. But it longer term interactions, I know men and women have different outlooks and perceptions, and failing to account for those can lead to friction.
Again, I don't believe I have had any long term interactions with a trans person. I can't rule out that I have and never noticed it, but I am highly skeptical. If I ever do, and I am aware of it, it might prove enlightening. If for example, a trans man appeared to me to have an outlook similar to my own male perspective on a wide enough array of subjects, I may give more weight to the neurological side of things. OTOH, if I consider their perspective too foreign to mine, I would stick with my current assessment.