Opinions?

If this is insensitive or offensive to anyone, I would like to apologize in advance as it's not mean to be. I want to know if anyone else believes there is a fine or if there is an inbetween for this term. Is it transphobic if you're respectful on the outside by using a person's preferred name/pronouns as well as being 100% open to friendships and dating, while on the inside not fully believing that transgender men are men and transgender women are women? I personally feel like there is an inbetween line somewhere but I would like other peoples' opinions. Please state any opinions informatively in a non-aggressive way. I mean no offense.