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Incorrect. Without intervention by hormone signals, literally every human fetus would develop as a “female” with all the traditional female sex organs and morphology. I believe they’d even be capable of generating eggs and carrying babies, but I’m not as confident on that.
A lot of people think that the XX or XY is determinative or definitional, but it’s always the hormones, baby.
No, hormones are necessary for female reproduction. Read about Turner’s Syndrome (one X chromosome).
Also androgen insensitivity syndrome, when cells lack testosterone receptors. The complete version results in females with no uterus.