First of all, I totally acknowledge the vast, nuanced opinions on this topic. I'm sharing how I feel, and I fully respect others' opinions that are not my own.
Okay. Having said that, I don't get too hung up on the t-word™. I say it time-to-time in a slangy manner, almost always referring to myself. Some of my friends use it, not meaning it as a slur at all -- just slang. I don't bother to be a wet blanket and correct them for something that in that moment is so minor. I know some people are hurt by this word. I know some people -- many people -- have had it yelled at them while someone was kicking the ->-bleeped-<- out of them.
Most of the time, I say "trans" (as an adjective) or "trans person." Or, sometimes I'll be specific and say "trans girl," "trans woman," "trans guy," "trans dude," and so on. For myself, I'll sometimes say "->-bleeped-<-" as a joke. But I would refrain from that if somebody within earshot really didn't like to hear it.
However, if I hear somebody say "she-male," they'll get a dirty look or worse. That word -- that compound word is nothing but objectification. It's gross.