No no no! The difference between M and F isn't directly due to genes at all, instead it's down to gonadal hormone production. Admittedly, most people with a Y chromosome end up developing testicles and then developing as male, however it's the testicular hormones that cause male development to take place, not the Y chromosome. This is something that's been demonstrated experimentally in a wide range of animal species. There's also a number of medical conditions in which the testicles fail to develop in a genetically male (XY) person, with the result that you end up with someone who is phenotypically female - they look and behave like a woman.
Here's a couple of examples on youtube of people who are genetically male, but whose testicles failed to develop:
As you can see, they look and behave just like ordinary women. With complete gonadal dysgenesis (which is what happened to both the women in these videos), the female internal organs ordinarily do develop, and with the appropriate HRT and donor IVF, it's usually possible for these people to fall pregnant and give birth.