Being male, I usually play P&P male characters. It's the default unless I feel that being female better suits the character concept. Ran away from home to escape an arranged marriage? Female. Whip-specializing rogue (the lasher prestige class)? Female. Generally I am ambivalent about gender; male is just the default and if someone says "Hey, we should have some women in this party" I might switch. But I would have had a hard time playing some characters as female, too: Armor-covered hammer-swinging dwarf? Male. Two-headed ogre with a 5 INT? Male.
I tend to throw a bit of LARPing into my around-the-table actions, and I admit that I have batted my eyelashes and tossed my hair at the gaming table while playing a female.
One male player I game with says he will never play a female. He claims it is because he knows he could never "properly" roleplay a female, but the rest of the group thinks his strong homophobic streak may have something to do with it. He was not impressed by me getting into female character, either.
Another player in one of the groups I game with is a gay male, and he almost always plays female characters. (And those females are almost always whiny-spoiled-princess types. But the player is that type, too.) Joining one game he was in, I played a female character: she was going to be a lesbian and would shamelessly hit on the gay guy's character. Only the DM knew about this plan. Unfortunately, the campaign dissolved before the plan came to fruition.
Regarding the naked/asocial druid issue: A DM I know forbids druid characters because in his mind, a true druid would be asocial and would have no reason to go adventuring. But yeah, a female druid frolicking naked in a meadow is a good concept. Well... depending on the druid's CHA.