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How transwomen/transmen dream
(lemy.lol)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The best ones are thoughts that many people can relate to and they find something funny or interesting in regular stuff.
I've had a few dreams as a cis male where I was a woman, so basically I reject your premise. However in most dreams I'm not even a character, I'm just the perspective from which the story is experienced.