I will have to agree with you. It's already clear, and getting more clear everyday; Gender is as much about what's on the inside as it is about what's on the outside. It's the fortunate XY people who also have the body that matches. No doubt, it's much harder on the ones who were not blessed with a more feminine body.
Yes, you are right. This girl has never taken hormones or had surgery of any kind. So she has been blessed. Most are not and spend their lives trying to attain an ideal of femininity that is difficult even for many XX people to reach.