There are statistically around 15 women AFAB with XY chromosomes in the NCAA by those numbers (assuming no correlation between Swyer syndrome and athletic performance).

There are currently around 10 openly transgender women in the NCAA.

Small numbers either way.

Sure, it covers 99.9% of cases, but top elite athletes are the genetic exceptions, they are the genetic freaks. They are the top 0.0001%. You don't get to compete at the most elite levels without your body being exceptionally gifted and almost specifically shaped for the relevant sport, which inevitably means funky genetic traits and disorders, higher testosterone levels etc.

I mean the word freak in the most loving and caring way possible, mind you.

What does fairness mean in that context?

Except I proposed a solution, which you ignored (I'm assuming here that I'm your "opposing side".)

Also, there are a significant number of these sorts of arguments in high-level sports, probably precisely because these "0.1%" cases are exactly the ones that result in exceptional ability relative to norms. It's also curious that there is such obsession about naturally occurring genetic outliers with respect to females or gender but absolute silence about naturally occurring genetic outliers among men unrelated to gender. And surprise surprise the top athletes often have such outlier genetics!

If you're drawing a distinction between natural genetic difference related to only gender and no other factors then sadly it's exactly a culture war, not a war based in science or fairness.