If you are very passable, then you have the problem but seriously when you pay and the cashier notices you are CD, trust m,e they wont pay attention of the fact you ar cding just to see you are the person on the credit card.
the problem of id cards arises when you dont want to be identified as your real person, perhaps in the entrance of a club, or at the airport etc, well when you will start to transition you will surely already had taken care of docs and alternative ids to show when you are in girl mode.
other than that dont worry,
i had one experience, .. one of my few outings was to go to a sex shop were they sell all kind of sexy accessories and lingerie, i went enfemme, with make up and all in a very sexy minidress showing legs and wearing 5inch stiletto pumps, wear my wig and went ahead to wonder the aisles of the shop, havnt though that in the entrance the cashier was gonna asked me for my id card in order to see im not a minor, well she saw mw first and off course was not going to expect my id to show veronica, as my face is very masculine and my shoulders and arms were shown in full, i was not gonna pass never as a girl, therefore she just limited herself to check my age period, after she told me thanks and sorry, she made a remark on my shoes and my tighs, she told me they were very pretty and sexy, i said thanks. it felt good and not embarrassing, the embarrassing moment was when a guy was following me aisle per aisle looking were i was browsing after i move from location in the shop, he was obvious ly wanting to talk to me, and was looking at my legs and trying to look further more when i was bending down to reach any other merchandise in the store, it was annoying and seriously i felt like all girls feel when they are harassed by these kind of individuals.
after the guy made it obvious he was following me i change my direction and went to where he was, not wanting to confront him but to show him a cold shoulder or maybe disgust, what i did was no really nice and not sensual, when i was walking toward him, i scratch my parts as a baseball player, and told him rudely and firmly with my man voice excuse me, in order for him to move over i was passing through, not in a way of im passing and notice me, nahhhh, i wanted to show him the man wearing heels that he was following, i think he felt a little awkward after 30 seconds he left from the store. well this was really out of topic just wanted to finish the story.
cheers