The way I handle it in the campaign I'm playing, if I feel want to make a character female I do, if I feel they should be male, BANG it's done. Luckily my group is pretty open minded in not making fun of those of us who cross gender RP(though at the moment, one of the females who play with us is getting made fun of cause she was lazy and basically wrote down, "Arnold from the first Conan movie." as her character's description.), we just play the damn game.