I'm totally okay with my downstairs parts. Sure, I wish I had a penis, but since that's not an option, I've learned to fully accept what I have. My breasts are a different case... I hate them. However, because my wife claims to be fine with them, we have no boundaries in terms of intimacy.
I assume if I weren't married, and were prone to casual sex, I'd keep my chest bound at all times. I don't think any TS person can really be totally okay with their body to start with... if they were, they likely wouldn't be TS. However, I'm the first one to attest to the fact that it is quite possible to learn to be okay with certain things, if they don't bother you incredibly much to begin with.
SD
btw, Asher, you're going nuts on the boards today!