You may want to consider a name that the initials match your male name. For example, if your legal name is Ralph Mark Smith, The initials would be R M Smith, Then your fem name could be Rhonda Marie Smith, same initials.
There are many places that this can be used as identification. For exmple, reorder another credit card for your wife or daughter as either Rhonda Marie Smith or more legally correct as R M Smith, in some cases you can even provide them with a picture in fem. But I cannot stress too much, keep it legal and the card up to date and never use in an official capacity. You dont need a charge of fraud. As long as the banks get their money, they could care less. This means you would only need one set of luggage with Initials. Other places it comes in handy is if you have to sign something, a check, receipt, motel room, etc.
One other comment avoid often uesd names in the trans. world like Donna (mine), Michele, Karen and there are others.
