I'll agree that fear drives much of our insecurities. Fear plus cultural "norms" that are hideously wrong from a medical perspective. I'm not afraid to discuss that I am trans with someone whom I think needs to understand that and with whom I have to have an ongoing relationship. But I'm not going to shout it or out myself just at random either.
I understand that none of us want to be rejected, seen as freaks, or treated as such. So there's this huge desire to be as "normal" as possible. Yet going to the mall, sitting down and watching the women walk by will show you very quickly the great variety in natal females. Once I began to accept that, once I had one of my best female friends point out to me that most of my natal female friends are as tall or taller than me, I began to relax, a lot. And relaxing let me just be me, in women's spaces and roles, which furthered acceptance of me.
I went to work yesterday for the first time ever as Cara, as myself. I wondered if people would stare. It didn't happen. Our front desk receptionist didn't even recognize me. I flashed my employee badge (finger over the old male picture), smiled and kept on walking. Several other women just interacted with me as another woman, so far as I could tell. And the gentleman in HR who took my message and paperwork for my HR contact (she was at lunch) treated me as a woman. If any of those people suspected or thought anything, I didn't see it.
So my fears held me back for years and years, but now that I'm living that life, I see that most of my fears were unfounded. I blew things completely out of proportion in my own head for years and it's no one's fault but my own that I accepted such nonsense.