You pretty much answer your own question yourself, actors handle uncomfortable roles all the time. I say this not as an accusation as I understand you're trying to play out scenarios so that you can understand a concept but your hypothetical reminds me of men protecting women from "hard jobs". Transpeople are normal people and don't need to be protected from potential mental collapse or something like that, certainly not all or the majority of them at least. I think that fear of harm itself is a unwanted stereotype.
In the grand scheme of things, I don't think it should be necessary for every depiction of a transperson on screen to be consulted or created by a transperson, that's ridiculous and unsustainable and would do more to cut us out of the narrative than anything else. But, we're in baby-land right now and looking for ANY positive representation and currently have 0 ownership of our own voices, so it's moot to play out the hypothetical when we could be playing the game in front of us instead.
