This isn't a grammar-nazi criticism because I frequently make similar mistakes with pluralization.
It strikes me that there must be some cognitive explanation for why some plurals seem to need an apostrophe when other plurals don't.
Do you have a link to any authoritative style guide that suggested “C.D.’s”? The Times' guide (2015) demands apostrophes to pluralize single letters: “the word has two t’s”. I think that’s silly, just as their use of quotation marks rather than italics for book titles.
Here is a quote from the 2015 edition of the Style Guide:
“G.I. The colloquial term, derived from government issue, for American soldiers. The plural is G.I.s”
https://afterdeadline.blogs.nytimes.com/2010/04/13/faqs-on-s...
But, then why an apostrophe for t's and not for fees? :D It rhymes, it should be punctuated the same is as good a rule as any!
#1 Never apostrophe before plural-s.
#2 Always apostrophe before possessive-s.
Some weird possible exceptions noted in sibling comments (like apostrophe before plural-s on acronyms and single letters), but those aren't universal and therefore not mandatory. So if in (even the slightest) doubt, follow rules #1 and #2 and you'll be right far more often than wrong.
Oh yeah, one actually important and non-weird "exception": NO apostrophe "before possesive-s" on possessive pronouns like "his" or "theirs". I think this is because they're actually not ordinary nouns made possessive by adding apostrophe-s, but grammatically their own distinct words which happen to always contain an s at the end. So in that perspective, it's not even an exception; hence the quote marks.
And that ("it's") reminds me of rule
#3 Always apostrophe in contractions.
"Contractions" here means when a verb -- usually "is" or "has"; I don't know if (but don't think that) there are any others -- following a noun or a pronoun is reduced to its final 's' and added to the preceding word, as in e.g. "John's gone". You have to figure out whether the 's' stands for "is" or "has" from context: In "John's gone forever" it's "is", but in "John's gone and done it" it's "has". Usually it's pretty obvious, or doesn't really matter for understanding what's meant.
HTH!