I have never used she when talking to a woman or a TW, because I address them as you. If I was talking about them to somebody else (why would I do that?) I’d use his name rather than a pronoun which I consider to be inaccurate.
As you say, it’s personal choice, but for me a lie is a lie whatever the context, and a lie about sex change, whether by word or bodily implication is still wrong.
Of course if there hadn’t been all the problems caused by a small number of cheating, lying, violent TW, and a large number of violent TRA, it probably wouldn’t be such an issue. But males are males, whether they’re quiet and gentle or tall, muscular and deep voiced and it has been declared that only biological females are women.