Strictly a crossdresser. I’m happy at home to just change my pants into a skirt, and sometimes my top into a more feminine top (I’m usually wearing a woman’s top that is close enough to unisex that people don’t notice). I don’t need a bra, breast forms, makeup, or to do something with my hair. But I’m just as happy if I do some or all of these. If I go out, I definitely go all the way. But it doesn’t bother me when my (adult) children call me Dad. My daughter will call me Alison if we are out in public, because she understands not to embarrass me. But at home I’m still Dad and I’m happy with that too.
Another friend who started coming out in public and later decided to live full time en femme once said “What’s the difference between a crossdresser and a transgender? About 3 years.” But after 10 years of being seen by others, I still have no desire to transition. So it may be true for some but not for everybody.