Jeff -- that's your own comfort level and your own openness to sexual intimacy, and what it means to you. You can't make that determination for anybody else.

Yes, there are those of us cisgender people for whom our sexual activities and sexual intimacy must be with another cisgender person. In the cases of many homosexual people, with another cisgender person who is attracted to other people of the same sex. In the cases of many heterosexual people, with another cisgender person who is attracted to people of the opposite sex. In the case of cisgender bisexual people, some may and some may not be open to engaging in sexual relations with transgender people...it depends on what kind of sexual activity they desire.

If that makes me "transphobic," so be it. Random activists don't get to have jurisdiction over my sex life.