Yea, I can see how this can be tricky. Once I came out to myself and discussed things with a few people close to me my whole life and my therapist I have chosen to accept that at this moment I am at least a non-op transgendered but not a cross dresser, but choose to identify as MtF transsexual. The reason is my understanding is that cross dressers are comfortable with being male and have no desire to be female physically in the majority of texts that I have read. There is of course differences even in academia on these definitions, let alone among the transgender community, and more so the rest of society.
Now, since I just bought my first female clothes ever, and have wore them am I now a cross dresser or both? I was asked to go ahead and start to wear women's clothes and try makeup on for size per my therapist. These are things I was hesitant to do, not that I seen them as wrong because I never did see it as a problem when others did it. I just did not want to fuel an obsession or a mind that was not healthy, though it felt that way to me I needed someone with professional skills to confirm it. But now that I have done both does this take me from non-op transgendered to cross dresser? Or am I both now? Or am I simply a MtF transexual who is exhibiting characteristics of these two labels?
As I learn more, the only thing I really can say is my self identity may still change more. If I continue to transition, it most certainly will, to pre-op, and then post-op. However, even then there will be those that then want to label me further, such as homosexual MtF, or nonhomosexual MtF, or hetrosexual MtF, to even ->-bleeped-<-c which I think is a really goofed up term the more I read about Harry Benjamin and dig through Anne Lawrence's
Men Trapped in Men's Bodies: Narratives of Autogynephilic Transsexualism as they use it as a label when I see it as merely a symptom exhibited by many types of transsexuals. They then go on to determine what contributor's submitted by adding their own narratives and discounting what many of these people provided them anonymously to fit their label.
I do not find the activity of using labels or looking for/creating them as bad, as it is needed to some degree to help learn things about differences and similarities, but again they really are never all inclusive or at times even remotely accurate. Thus, we all must really rely on what we choose to describe/label ourselves, and I saw Aisla state something similar on another post and it just rings so true. However, due to this, we will all "cross" each other and even ourselves up once in a while.

So in the end you hit it on the nail yourself Jesse when you said "just semantics."