Depends on the protagonist for me really. In RPGs I like to create sort of bitchy females and really nice males. Sounds like my lovelife. But in a first person shooter, it doesn't really matter to me, I mean, I'd like to think I were a badass with boobs, why not?
Though, when it comes to females in the games, it's pretty interesting, the most intriguing moment for me was realizing that the Russians in CoD2 had this female. I realized it cause I kept dying near her behind mannequins on Vet Mode.
Also, in FEAR 2, Stokes I found hot, looked like my math teacher, and sounded like Cortana.