
No what you are describing is an additive oppression model which is useful in its own right because yes a disabled trans person is facing oppression on one more axis than an able trans person. Intersectionality says that the disabled trans person isn’t just experiencing ableism + transphobia but a unique experience shaped by their disabled and trans identities Additive models of oppression are commonly criticized for encouraging oppression Olympics sort of discussions.
The model of intersectionality is especially useful when talking about dynamics within a marginalized community for example: who is more oppressed the trans people who are medically transitioning or only socially transitioning? Transfem or transmasc?? Nonbinary or binary trans??? Because the answer to all of those is neither. One, there is no one experience that can be attributed to any of those groups each of those groups are incredibly diverse as are their experiences with transness.
Two, their experiences are different but that does not make one inherently more difficult than another. There might be one person who is medically transitioning but has a supportive community and most of their transphobic experiences come from insurance and healthcare Another person might only be socially transitioning and as a result be non-passing and face a lot of hate and violence from their community Another might want to transition but be forced to stay closeted