The "fact" is that it's not up to you to make that determination, Joe. It is up, first and foremost, to Jordan, and second, to those involved in the legal aspects of changing the way your gender is recorded. No-one else's opinion matters in the slightest.
To call Jordan a "man dressed as a woman" is falsely making her the same as those men who do dress as women for fun but wouldn't want to, or at least don't, live as women on top of that. They are related, but there are also huge differences, and they shouldn't be lightly brushed aside. This is a permanent life choice, or at least intended currently as such, and is also very public too, which is another thing that isn't in common with a large number of men who might dress up as women.