I gave some thought to the idea of having female MC in terms of content, since lines are universal in this regard now.
Sex scenes are the most problematic part. Lesbian pictures are much less consistent, and for some characters much more rare than straight ones. Packs naturally have much more content for straight actions due to artists preferences. Lesbian+partner hidden are especially rare.
If we make a female MC, we cut off big part of the content.
So tricks like body swapping or something like that are probably more preferable than true female MC.