To some people the word means woman as a biological sex, in which case it would be "has 2 X chromosomes, or otherwise falls in a slightly muddy intersex situation." To some the word means woman as a gender, which itself can also mean either biological sex or gender identity. Watching people make concrete assertions to one another on the basis of definitions they do not share is as predictably pointless as you'd imagine.

Woman: someone who, when you ask them, tells you they're a woman.

If we want a simple inclusive definition, you can't beat that.

Not everyone wants an inclusive definition, some people want discriminatory definitions. And I don't mean discriminatory in a negative sense. If "four" means 4, it would be more inclusive if it also meant 5 and 6, but it loses some utility in its inclusivity.

My problem isn't with your definition, it's with your implied assertion that we should "we want a simple inclusive definition," which is clearly not the case, as the differing priorities in definition are literally central to the debate.

If you want a discriminatory definition, there are many bad ones to choose from. Take your pick!

Then we're back at "woman" just meaning a social nicety.