Part of that question is going to depend on the individual. One F to M I knew had a huge ovarian cyst when he had his hysto, so i guess you could call that a problem. I had very erratic cycles that never regulated as I grew older, so something there was not right.
For those who are born with no physical problems that could be seen or diagnosed other than the fact that the person feels like they are the opposite gender, i would still call it wrong. Our minds control a good bit of how we react to things like illness, disability etc. A person who is completely paralyzed can still have a mind, think, reason and communicate one way or another, but a person with a mind that is gone is just a shell. IF it weren't, Dr.s wouldn't be ok with organ transplants. For that reason and some others, It think being born in a body that does not agree with the mind is a problem, no matter how healthy that body is.
I'm sure there are transgenders who learn to live with their bodies the way they are because they have no choice, but although some may be ok with it, I doubt many are. Looking at all the posts on depression, suicidal ideation, self mutilation of genitals etc., I would go so far as to say that living in the 'wrong" body IS a disability.
Dr.s are now regularly doing transitions because they feel it makes their patients better. If it were just a couple Dr. s here and there, the surgeries would all be underground procedures, and they aren't. Dr.s take an oath to keep their patients safe from harm, improving the quality of their lives etc.
I always felt like my female parts were tumors. Getting rid of them changed my life 100% for the better.
sam1234