Male and female are terms that differentiate between organisms that create material that fertilizes or organisms that create material that gets fertilized.
IMO, your own bias is incorrectly coloring those terms. So for an example, let's take humans, primates, and even animals out of the mix.
Plants create pollen, instead of sperm, and seeds instead of ovum/eggs, but functionally they serve the same functions. In plants there are male, pollen making plants, and female, seed making plants.
Male, and female, as terms, are not matters of opinion, or social constructs in this context. They are definitions of whether an organism has the genetic instructions to create material that fertilizes, or material that gets fertilized.
Applying human social constructs for the terms should not be done in a scientific context, like when we're discussing genetics.
Same situation, but I'd have to discuss with my SO before I smash it, and I'd likely only press it once.
Bluntly, if you invest it correctly, even at a 1% return, you can make $100k in yearly interest on $10M. That's more than my salary.
However, having that stable and passive income is less important to me than my partner. If she didn't want to take the risk of me becoming a woman, or if she would leave if it happened, I likely wouldn't risk it. To put it simply, her, and her happiness, is more important to me than money. Money I can make, I can't exactly find anyone that will even come close to living up to what she means to me. People like her are not exactly super common.