Regarding your second point, I actually agree with you. Particularly at this stage of development, trying to account for more permutations seems like a recipe for disaster. Though I think that a lot more players than people may assume would enjoy the experience of an in depth, reactive playthrough in a game that actually acknowledges a player character as trans, both trans players and cis players. I disagree with the notion that representtion shouldn't come at a cost, but at this stage, I genuinely think the cost would be too high. And there's also the added issue that I really don't trust Larian to be able to tackle the topic with the thought and nuance it deserves, so I think they're better off not going further than this.
Also if you think about it, you actually CAN play a disabled person, since there are at least two ways your character can lose their eye and suffer debuffs for it.
