The problem is using it when “woman” is the correct word. If you say stuff like “the female at the customer service desk doesn’t know how to do her job” then you run the risk of being called an incel or ferengi, though if you don’t seem like a sexist, churchy, or maga-hatter, then you can probably get away with it by not sounding like a native speaker. Or just avoid all that like me and don’t talk to people because social interactions of any kind are mentally draining.