I also enjoyed your post, Anne. You obviously put a lot of thought into it. Everyone's situations are different, and we all deal with it in our own ways. And shame on thos who would crack on you for deciding to stay private with your crossdressing.
I saw nothing in the handbook or the bylaws that stated that you have to go out into the world and share this with anyone. I've only ever been out myself a few times, and while I have had no truly negative reactions or any problems with it, I still prefer to stay at home and spend this time by myself. I don't have this overwhelming need to get all dressed up and go places. Those of us who decide to stay "in the closet" with all of this are well within our rights. One thing is for sure: it's a heck of a lot safer there. My home is my sanctum sanctorum, and I happen to like it when I'm home. No one points at me, whispers anything snippy to others, or ridicules me when I'm at home. I can go to the bathroom without any problems, and I can do whatever I like. My "closet" is my refuge where I can be a lady without any of the world's repercussions or disapprovals.
To those of you who get out into the world on a regular basis, you have my support and respect. But remember that respect is always a two-way street. You may feel that you're crusading to further the cause, and that closet-dwellers are not doing their part to bring acceptance and recognition to crossdressers, but I'd say to them just what they'd say to anyone still in the closet: get over it. We all travel this road the best way we are able. Closeted or not, we are all in this together.