There's two probable angles you were looking at with this question, not sure which one you were looking for, so I'll handle both of them separately and just ramble in general.
Any lack of coherence or relation to the OP's question is the fault of the person who paid for this laptop.
1)
I think in a world where direct action by the gods, arcane magic, and an array of other equalizers occur, the usual male/female dynamic and interactive sensibilities have zero relation to our own world. So no point comparing them.
I mean, really what is it that the hypothetical woman needs to fear? Rape? Murder? from her all-male compatriots.
I take my hat off to any guy who's got the time to think about sex while battling 30 foot long fire-breathing lizards, having warded doors explode in his face, attempting to save the world (not through any sense of heroism, but hey - you have to live on it too, and nobody else seems to have the idea of taking on the job), and generally keeping yourself from kicking off the mortal coil.
Secondly, while that chick might look hot, she's highly likely to be able to sleep your entire group, then calmly slit your throats should you decide to curtail her own sense of boundary.
The other thing is racial prejudice is going to be a damper on a lot of things - sure, there's half elves, but in general a group of male elves are going to have zero interest in a human female, so she could feel quite comfortable running off into the wilderness with them for six months to obtain the Amulet of AncientWizardGuy.
If you're not taking the above angle of fear of violence/sexual issues, and it's something based on societal norms like Pres said:
Well sort of applies to all adventurers, regardless of male or female. Just by being an adventurer, you're not an average man or woman who's bound by society norms. You're an exception to the rules. The vast majority of females don't run off into the wilderness/dungeons. But then neither do males.
2)
Assuming it's a list of what might get a female to do it - it's pretty endless. Revenge, greed, justice, honor, achievement, and all the usual list of things and their infinite sub-headings that make people do things everyone else considers 'out of the norm'.
That question out of the way. Few other things spring to mind on thinking over your post.
I agree no male can accurately portray a female 100%, but I don't have any real issue with that. Nobody can accurately portray being a Medusa 100%, or a Peryton either
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I've had females playing males, males playing females - never seen anyone turn them homosexual. So I think the 'most guys' is a bit overstated.
Might want to look at the people you play the game with....
I agree with you totally all sorts of issues spring out of it, but it's like any issue that springs out of RP in D&D, or any RPG - the DM does what's needed to make the game a good experience for all. If that means ignoring things like people feeling uncomfortable RP'ing something romantic/sexual, you leave it out. If it's sex ability scores malus - you leave it out. If it's religious in nature due to clerics somehow - you leave it out. You assume it as background stuff that goes on and RP other shit.
If a majority of players are fine with something, all's good. You just don't include the dissenting voice next time.
While it's an RP game - it's still a game. Requiring micro-mirroring everything from our real world and slamming objection to it as being counter to RP is ridiculous. As mentioned earlier, assuming we can accurately guess at the motivations, emotions, feelings and other thoughts of people in a fantasy world so vastly different to our own is some pretty arrogant shit....all any RP is, is 'best guess' at what's likely.
Anyway, that's some of my thoughts on females in the game, RP aspects involved, and RP in general.
Take it with a pinch of salt.
TL;DR version:
1) What kind of women? Fucked if I know, same kind as men - I don't see an issue here (not saying the OP is stating there is one).
2) What constitutes good or bad RP of other sexes, other races is subjective to a point it can't be measured - I don't judge.
3) It's a game. Take it much more serious than that level, probably need to interact with a broader section of society.
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