

Firstly, if it’s at all an option, consider moving to a less transphobic country. Not just for care-coverage, but for your safety in general.
Secondly I’d say that DIY-HRT is far less sketchy than people make it out to be. The fact of the matter is that, especially if you can get blood-tests, it’s not too hard to interpret the results and that many of the side-effects that everyone fear-mongers about aren’t even applicable, because they are for example only if you take blockers-only or historically used horse-piss-E instead of bio-identical E, which is what everyone uses these days…
If you can get HRT though the medical system that’s good, but don’t be afraid of DIY-ing!
I mean, I’m completely down to misgendering or dehumanizing transphobes who do it first.
But that kind of situation aside, and cases where people do it without malicious intent (you example can also be because they think they misgendered you at first and are now trying wrongly trying to correct themselves) because they just genuinely guessed wrong aside, it’s almost always transphobia.
Now there is one other case that is a bit special: Intentional misgendering of people independent of their trans status: This can for example happen in pep talk in sports, if a couch refers to the members of the boy’s team as “girls” or when someone ironically refers to a group of men as “ladies”. This is not generally speaking transphobic, but it can be potentially be sexist.
To give an example: At the start of my previous job (before covid and before I transitioned), I was talking with my boss about alcohol and that I prefer cocktails. Apparently the same holds for her boyfriend and she refered to us as “the girls” over this. Nowadays when I tell that story, I like to joke that “if [her boyfriend] wants to have a private conversation with me, I’m definitely available for that”.