I feel for you sweetie. The surprise of a sudden face-to-face undoubtedly resulted in shock, embarrassment and an unconsidered reaction by both of you. As for your concerns with passing, very few of us can do that and I suspect almost none when in our usual context. Don’t let the shock of this incident make you change your life, concentrate on your children and securing your future with them and let the cross dressing come back naturally as it surely will since Tobi is obviously supportive.
Best wishes for your future.
Joan