I have female genitalia because I am female. Don’t let yourself buy into definitions of what is male and what is female, because people will use that definition against you, and tell you that you are man because you have a penis. The brain determines who we are, not the body.
Good luck with your journey, and remember you don’t have to plan out who you want to be, because undoubtedly it is going to change as you change. I was sure I was non-binary when I started transitioning, but then discovered I was simply a woman.