You cannot be transgendered physically -- that is being transsexual. One can only be transgendered emotionally/intellectually. Gender is what we think, sex is what we are.
I think, entymologically, that the term 'cross dress' refers to any person wearing clothing of the opposite sex. ('Sex' meaning the phenotype - the actual end result in front of you; either a male (XY) or a female (XX).)
Transgendered refers to a dissonance between one's outward sex and their inner identification of female or male.
You are suggesting that transgendered people can't possibly cross dress, and you are conflating the male/femaleness of sex and gender. Whether or not you feel female, if you are male sex and wear female clothing, you cross dress.
There is no colloquial term for how you dress according to your inner gender orientation. If there were, all transgendered people would be cross dressers (by wearing sex-appropriate clothing), up until the moment they became female, when their cross dressing would stop. And that makes my head hurt.MK
