the presence of transgender athletes in competitions
I disagree, that isn't a "polite disagreement" and is, absolutely, "just transphobes attacking people trying to live their own life" as you put it. Every time that "Argument" happens it's openly done in biologically unfounded ways by people who simply don't understand how our bodies actually work- yet those arguments get mass upvoted by people who also don't understand how biology actually works and who believe that trans athletes get some insane, unfair advantage.
If you want to pass laws to restrict trans people from sports, then you want to pass laws to discriminate against trans people. That's not really up for debate IMO, it's a straight up fact; it's what you're doing when you advocate for laws that are not founded in science, that are specifically targeting a tiny minority for the chance that one of that tiny minority might beat cis athletes in an "unfair" way, you're advocating for bigoted laws.
Such arguments are also inevietably filled with people misgendering trans people, deliberately calling trans women "men" and hiding behind the "I'm talking about biology" argument to do so.
Replace the word "trans" with "black" and you'll find that people are making literally identical arguments to those against desegregating professional sports leagues 80 years ago. Literally word for word.