In re: TERFs, transgender people make up a very small part of the general population, roughly .5%. The odds that any given TERF would get picked up by an UBER driver that is a transwoman are very low.

I suspect–and I’d need to be checked on this–that you would need to have gotten your gender marker changed on your driver’s license in order for Uber to correctly identify your gender. And that makes it an even smaller subset of trangender people that could trigger TERFs. OTOH, I could absolutely see a TERF going ballistic over a cisgender woman that wasn’t fully gender-conforming…

The good news is that, relatively speaking, a water heater isn’t too expensive, and you can usually do it on your own without too much trouble. Assuming that you’re moderately handy. Roofs are… A different matter. Depending on your roof type, pitch, and geographic location, it can either be fairly easy, or require a high degree of expertise.