I'm closeted, never have gone out, and consequently never have had it come up. However IF I was out, dressed enfemme, I would most definitely use a Ladies Washroom. You walk in, make as little eye contact as possible, go into your stall, and do your thing. Check yourself in the mirror before you leave. You're in contact with others in there only for a few seconds.
Face it, if you're dressed, it's going to cause problems if you walk into a Men's Room, isn't it? I don't see it being disrespectful at all.