If this aspect sits in your natal chart, you probably don't quite recognise yourself in the books when they describe Pluto. They write about compulsions, dread, ruinous passions, heavy transformation that only arrives through pain. You have little or none of that, and for a long stretch it looks as though Pluto in your chart is weak, dormant, safe to ignore. That is the first illusion Moon trine Pluto hands you.
In fact it is working — just through a door rather than a wall. For most people, contact with the deep layer of the psyche is only possible after a crisis: a serious loss, an illness, the betrayal of someone close, a brush with existential fear. The crisis breaks the usual defences and lets in what is normally pushed down. With the trine that defence is less rigid, and the access is open without any catastrophe. You can think about death, about the darker corners of your own nature, about your fears, and not fall apart over the thought. You can listen to someone else's confession and not bolt for the door ten minutes in.
People pick up on it, even if they couldn't name what they're sensing. They come to you with the things they have nowhere else to take. The friend who never told a soul about the affair with a married man tells you. The colleague whose father has just died cries in your office, of all places. A stranger on a train lays out a whole biography in two hours. You sit, you listen, you do nothing special, and to them it means something. At times it starts to grate, because other people's weight piles up while your own goes nowhere.
With your own feelings you behave much the same way: you don't suppress them, but you don't unfurl them either. They're there, you see them, sometimes you look a little longer, and then you carry on. This is the trait people call psychological resilience. From the outside it looks like strength. From the inside it feels like ordinary life, a life with nothing in it to be especially appalled by.
Your mother, in childhood, was most likely a strong figure — at times opaquely strong. Not necessarily warm and not necessarily close, but she could take things. Through her you absorbed the lesson that a feeling can be lived right through, without trying to wriggle out of it, and that nobody dies of it. If your mother was a complicated figure, carrying her own wounds and her own dark themes, the trine didn't erase any of that, but it gave you a way to digest it. Many carriers of this aspect have a difficult female line behind them, and turn out to be the one in whom the chain of inherited wounding stops, rather than being handed on.
The chief trap of the trine is that it runs in the background, and the carrier never suspects they're holding a tool most people simply don't have. Life goes along quietly, there aren't all that many crises, and the familiar strength never gets called upon. By your thirties or forties you may notice that deep subjects have started to bore you, that you crave the light and the shallow, that psychological conversations tire you out. This isn't a betrayal of the aspect — it's its side effect. When the strength isn't needed, it withers, and in place of the capacity for deep contact you're left with a tired sort of indifference.
What you do about that depends on what you want from your life. If a background warmth suits you, then nothing — you can live that way perfectly well. If you want more, you'll have to go looking for the places where the trine is genuinely called for: work tied to crisis, to psychology, to medicine, to the dying, to the dependent, to people who are truly struggling. Or the inner routes: serious therapy, not the brief sort but the kind that runs for years, the kind that digs down to what you'd never reach on your own. None of this makes life easier — often the reverse — but without it Moon trine Pluto stays an unopened card, lying there in the chart. As ever, read this as a way to understand yourself, not a prediction of how things must go.