My avatar's a girl. There's lots of reasons for this:
1. Get to look up my own skirt while in low cover. Hubba hubba.
2. Girlfriend enoys playing dress-up, and gets a good lol out of the LV shoes ("Patent shoes")
3. Why would I be just another spikey-haired, glasses wearing asian in a vid'ya game, too?
4. GTA has never had a female protagonist, and there's unique dialogue for females (from both important characters and random NPCs on the street)
There's tons of downsides too, to be sure. Mainly that people keep falling in love with me.