Ok, so the moral of the story here is - that HRT is the be all and end all.
That Transwoman A is trans despite looking and acting like a real flamboyant drag queen, despite the fact that she never attempted to live as female until 2 years ago.
And Transwoman B isn't trans in either scenario:
1. She dresses as female, acts female, is accepted as female, is more passable than Transwoman A - but because she has decided not take HRT at this time for reasons of her own is far less trans and valid than Transwoman A, and in fact may not be trans at all.
2. Transwoman B dresses, acts, and is accepted as female, and is more passable than Transwoman A - alas she has medical issues needing to be resolved before HRT.
Everyone knows this means she is not trans. After all transpeople are immune to illnesses affecting non-trans people. Any TS who is ill is obviously lying to cover the fact they don't want any physical alterations made (such as HRT, SRS, etc.) She could be on her death bed, but she's faking the whole thing, because all TS have powers and immunities that non-TS don't possess.
If by the very rare chance, she is actually ill - she should just 'do' something about it, instead of 'talk' about it. She can whip up a magic potion, cure herself, and take HRT.
And godforbid she has a disease that is hard to diagnose, that takes 100s of test to rule all the more common illnesses out first. - well, then it's just so obvious she's lying. Doesn't matter that she's bed ridden, doesn't matter about the gallon of fluid and blood she coughs up every day. She's healthy as a horse and faking all this just so she has an excuse not to take HRT.