I believe the term is applied to cases where they literally take a male character and make them female without any thoughts of how that'd change their attitudes, body language, inter-personal dynamics or really anything at all besides a switch to have female physical options (which includes boobs). The reason why FemShep is referred to as such is because she uses male animations and has little change is interpersonal interactions. But, I'm not saying that FemShep is a bad female character, her masculinity is part of her character just as much as her awkward dance moves, but it wasn't a choice, it was laziness. Compare and contrast that to how that effects the Female Warden, she is far more believable because her gender effects how the world sees her, with Sten being confused about her role as a warrior (not the class), with people being surprised with her joining the wardens, and with how people see you and react to you. In Mass Effect there is a lot less of that, though some of it can be explained away by the reduction of prejudice in the world, a lot of it is based off of sheer laziness, especially shown with the existence and role of the Asari, if Shepard wasn't intended to be primarily male there wouldn't of been nearly as much Asari in strip clubs and working as prostitutes (hell when Mass Effect 1 opens up you meet and great Sha'ira, who is a prostitute who even employs female humans).