I prefer not to think in terms of "passing" (although I'm not judging anybody else, this is inside my own head) because for me the issue is more about blending in - I'm shy and I'm not comfortable with attention being drawn to me, so I'd rather blend into a crowd of ordinary-to-ugly women than stand out as someone taken for a cis bombshell, too. I just want to go about my daily life without being spotlighted for any reason.
That means that to me it's also a totally separate issue from "stealth" or who knows about my past; I want *strangers* to treat me as a boring ordinary woman that they ignore, but I don't necessarily care if friends/acquaintances/coworkers/bank tellers know I'm trans as long as they don't treat me like a zoo animal. These days fewer and fewer people do seem to know the story, which is fine, but it's not a goal of mine.
I haven't been called out in public since about six months on HRT, thank God. Even pre-op, I had no trouble with bathrooms or changing rooms (even showered naked in a locker room with no shower curtain once, though that was scary!), and that's all I ask.