Hello Dannie.
It is nice to see you have found your happy place.
I think the main reasons behind why most of us use a female is it makes things easier. Especially for those that are not out or at least not fully out yet.
I do agree that talking about your female side in the 3rd person could get confusing, but for a lot it is sort of a necessary evil.
[OK talking about your female self in here in the 3rd person could be a bit odd]
Also a lot here do not want to be out -n- about all gussied up and be called their given male name.
There are some in here that have no problem with that though.
It all depends on each persons comfort level and not so much on a "my male/female sides" split personality type thing.
Even if someone [like myself] feels the same inside while dressed as their male or female "sides" using a female name just makes things go easier in life and out in public most times.
For me, I do not think of Sam as a different person or even a different part of me. But at the same time I would much rather NOT be called my male name when I am out dressed.
It has more to do with avoiding any possible confrontations then it does with being able to "pass/blend/ect".
Being called "Bob" in public, while dressed, sort of takes all the guess work out of it for people.
PS: I sorta think of my female name the same way I think of a nickname that is used by people around me when I am dressed.