Our neighbor, before she began living as a woman full-time and ultimately transitioning entirely, sometimes dressed as a man and sometimes as a woman. She said wardrobe, at that stage, dictated both name (she had one for her male self and one for her female self, which is now her full time legal name) and pronoun. So if a person, even if I knew them IRL as one sex, played a character of the other, I would consider that wardrobe and use pronouns appropriate to the character. If I think of on-line character Jeanine when playing, I am not thinking of IRL buddy Bob. Always, what the person prefers is paramount, of course, in every context.