I, too, don't feel like I'm in "boy mode" or masculine when naked. But, I find that when I seem my reflection it catches me off-guard.
My "identity" transition, to me, is complete at this point. That is to say that I think of myself as Connie even if my legal name is still David. There have been times when I've almost left home without makeup to hide what's left of my beard shadow or without my bra and breastforms. I think of myself as a she. But when I see myself it's like, "Where are my real boobs" and "What is that thing doing there?"
Strangely enough, when I'm showering or shaving, I don't feel this strangeness about my body.