I don’t disagree with you that society does think that way, but I disagree with the sentiment so much.

I’m 33 and afab. I accepted being called a “girl” until I was about 23 (probably not a coincidence that that was the age at which I graduated college), but it started chafing at like 16, even though I didn’t have a good alternative at the time (because I agree that “female” as a noun feels gross). If someone called me a girl now I would correct them without hesitation in basically every scenario outside of a eulogy or wedding speech.

I really wish there was a better option. I don’t really like “woman,” but it’s better than gal, lady, dudette, chick, or girl imo. I’m perfectly fine with guy or dude, especially in plural, but I’m probably an egg, so that colors my perspective for the singular use a little.