Interesting discussion.
I personally played as FemShep (I'm male), not for my own titillation or anything but because through all the games my daughters watched and played throughout everything (excluding DLC) with me.
I bring up the titillation because when I was asked a similar question, while in a party as I was playing GTAV Online last year, my friends and friends of friends all thought I was doing it for cheap thrills. When in actual fact I was doing it for my kids.
My daughters rarely get to see any female characters in gaming, so when one comes along and it has the option to do so... I do it and if the game has customization, then I let them design her as they wish. Even though my girls do not get to watch me play GTA V, I feel that if enough people create a female character in their games, then just perhaps more games will come along with this option as standard.
In other games with these male/female options, for me the same applies.
Games such as these, have all been played by me with female characters...
Dragon Age 1 & 2
TES V: Skyrim
Saints Row Series
Fallout 3
Dragon's Dogma
Kingdoms of Amular
Tomb Raider
and
Watch Dogs
Oh that's right, Aidan is meant to be a bloke. lol. (sorry bad joke, I'll get my coat.)