Hmm, that is tricky! I only have one thought that may potentially be helpful: how deep is the POV? The deeper the POV (no reflection, no authorial intrusion, etc.), the more I think you have to actually go with the name that the POV character is aware of.

But that's a cis author's perspective, and I don't have the experience of having the wrong name used for me in a hurtful way, so I don't know how painful this would be to those with that experience.