> What's the gender of someone born with XX chromosomes, two ovaries, a penis, and develops male secondary sex characteristics like a beard?

Did you just make this up or did you have a specific disorder of sexual development in mind? Presence of two ovaries suggests it's a female DSD anyhow.

> Intersex variants are 1% of the population, it's as common as red hair.

This figure is controversial and includes conditions which most clinicians do not recognize as intersex, such as Klinefelter syndrome, Turner syndrome, and late-onset adrenal hyperplasia. The true prevalence is more likely between 0.01% and 0.02%.

The trans discussion is separate to this anyway, as it involves individuals without any DSDs who demand that others treat them as if they were the opposite sex.

Yeah it's approximately as hypothetical as all the cases of trans athletes we're apparently taking seriously in this thread. Eg greater than zero known cases but likely no one commenting here has ever encountered either phenomenon in the course of life.