As long as you mean adults having the surgery at their own expense, I agree with everything you said. It disgusts me but its none of my business, as long as I don't have to subsidize it.
I agree. I have a problem with medical insurance paying for it because that means we subsidize it, and don’t get me started with Medicare and Medicaid. Insurance won’t pay for purely cosmetic elective surgeries and I consider this that. There is no physical, medical reason to have transition surgery and in fact it often makes you far worse off medically.
The idea that it is necessary for mental health is based on a deep misunderstanding of gender dysphoria. People used to think (and I was one of them) that making the physical genitalia match what your mind wants to be would cure your unhappiness, and in a few cases maybe it does, but there is growing evidence that it more often does not. Not the least of reasons why is the fact that a trans penis is NOT a penis and a trans vagina is NOT a vagina. They do not look, function, or smell like the real thing.
The best you can hope for is a cosmetic somewhat approximation superficially. For that you trade away your natural hormones (ovaries and testicles removed), your body’s natural ability to keep the area clean and functioning, and very often the ability to orgasm or feel anything sexually down there. If you’re an adult and you are fully informed of these realities and can pay for it yourself, go for it! I’ll have no part in helping you.