I generally think games like those should have character creation. With mandatory pronouns and trans options though, we can't forget to stir the chuds as it is good and proper thing to do.
Saints Row* kiiiiiiiiiiiiiinda has this. Good cc and play a girl and you're canon trans (tho it's just people saying wow the boss sure looks really different since the last game)
I think the Boss can be considered Canonically Trans if you don't play as a guy in SR2 and onward, since SR1 forces you to play only as a Male Boss.
I think people ingame will comment about how you look very different from how you were in SR1 anyway, due to having to undergo surgery in SR2 because you somehow survived in the boat that exploded in SR1 (and the explosion likely disfigured your appearance)
I think their point is that you're giving up a lot of story potential by having to work around the player being a customizable character with no characteristics set in stone, they can't really be characters as much as they're just player stand-ins, which is a problem for a game like GTA where the player character is a well-defined, fleshed out character where various things about them matter a lot in the story, like Niko Bellic in GTA IV being from Eastern Europe and having fought in a war for example