Pretty much everything you said. Personally I'm not wild about the need to define it. If one identifies as trans in whatever flavor that's just a fact. Whatever choices one makes to address that are simply choices, only different from other choices in that some are regulated by medical practice standards. Most and yet definitely not all of us are different in biology, usually an early prenatal exposure to an unusual hormonal profile.
For my part, I spent untold hours in therapy and on my own time working to tease out whether my trans nature was fixed in biology or in my coincident attempts to find any way of being that could help me find distance from my effed-up childhood and a family that was abusive, sexist, misogynist, racist, homophobic etc etc. Either is a perfectly valid reason to find oneself to be trans and to transition however I was terrified of proceeding to the irreversible steps of long term hrt let alone GCS. And to be sure, I find that terror in myself to have elements of internalized transphobia.
I felt that to solve an emotionally based problem with hormones or surgeries didn't feel right to me -- not that I might not have decided to proceed to transition has we decided that was the cause, and not to say it would be wrong in any case.
However living in deep fear of detransition led me to be as thorough as I could about determining that I believe it's in fact biological in my case.