You are not offensive at all, and you do not need to apologize for who you are.
I will whole heartedly agree with you that dressing does not need to be a significant part of a TS life, and that there is no excitement in it; that the TS life is about self understanding and to be understood and related to as female by others, to move socially in the world as female. For me that is really the heart of the thing, or at least that is a big part of the diagnostic criteria I use with myself.
Which is essentially what the OP is talking about. The OP asks about folks who "CD" 24/7. These are people who obviously wish to engage the world and be understood by others as female. They may or may not lack the self understanding, but seriously, who do they suppose they are fooling? Being TS is not some sort of exclusive club, and it dose not require surgery to join.
While I would never tell a girl she was TS, if I knew someone who undergoing their own little RLE w/o hormones I might wonder to myself.