I have De La Chappelle Syndrome. That's what it's called. I don't like the phrase XX Male. But, most, but not all, people who have it do not know and only find out when trying to impregnate their wife, since they can't as they're hypspadic. But there aren't neccesarily symptoms and many are not trans. For me, I have a petite body, small everything (hands, feet, 13.5 inch shoulders, 5'5, 120 lbs.) and in fact the only thing big one me was my thighs. I have really fatty thighs and have stretch marks all over the insides. I also started growing boobs at age 11.
You could take a Karotype test. However, I was also born with ambigous genitalia and there might be something else going on as well. They corrected that though and I guess around there I'm more male then female, obviously now, but I get yeast infections and other female typical ailments. As far as development of the thing, it's not anything close to being normal and is tiny lenght and girth wise. But thankfully not a micro penis as it will be needed in a year.
Hope this helps. BTW, why do you think you have low T? From the libido issues. I had zero libido most of my life and rarely thought about sex.