How long you’ve been taking hormones is the important part. How long you’ve lived as amab only really matters until a certain point, as it’s very difficult to maintain muscle mass from before you started hormones. And afab people have to build up muscle mass even when they start taking testosterone.
And yes, not every trans person is taking hormones or even will. But I have yet to hear of a single example of a trans person in regulated sports who wasn’t competing in the division of their gender while on HRT. Even the preteen kids were on puberty blockers.