A transvestite (TV) dresses in the clothing of the opposite gender, but not using things like hormones or sugery to change their body into the opposite gender.
A transsexual (TS) is someone who is trying to become the opposite gender, through hormones and surgery. Typically they are living full-time as the opposite gender.
I've been with one in Phoenix. Most passable gal I've been with; she was even married to a guy at one time. She doesn't consider herself a TS. No hormones at all, female innards and a very functional, easy to cum dong on the outside. What a combo.
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