Well, I "invented" cycling back when I was going thru puberty. Rather amazed how much of the "likely" anatomical changes I got right, given how unfamiliar I was with the relevant female bits.

something like my "Morgan" character would be ok with me. Body female enough to pass any time I wanted, but still having functional male bits.

Hey, I'm used to them. The fully female might be fun to try out, but since I don't *know* that I'd be ok with it...