Your chromosomes do absolutely nothing aside from carrying the genes to make the gonads differentiate. That's it. The entire rest of sexual differentiation is just hormones, and these hormones frankly don't care what chromosomes you have, testosterone/DHT will still make someone "male" and lack of such will still make someone "female" regardless of chromosomes.
Whoever told you that having XX chromosomes makes testosterone somehow be a risk factor is just a concern troll that's operating on old sexist notions about AFAB people somehow being fragile or delicate.
In reality, there are people who are male in every regard, including gonads, secondary sexual characteristics, genitals, everything, who have XX chromosomes. (
https://en.wikipedia.org/wiki/XX_male_syndrome ) And aside from being infertile, they are completely 100% identical to any guy, with normal levels of hormones, normal life expectancy, and no adverse health effects. They usually don't even ever learn they have a chromosomal issue, going through their entire lives just assuming that they're average guys with XY chromosomes, until they can't conceive children in adulthood.
So yeah... the notion that somehow chromosomes have anything to do with testosterone is basically pseudo-medical bunk mostly based on oppositional sexism.