This topic is kind of old but I'm new here so I'll just throw myself in. I agree with the notion that playing different characters and genders is an exercise in roleplaying and on a personal note it makes me a better story teller. I write and dm scenarios for other games and it I've found playing characters of the opposite gender helps with inventing heroines. I would also note that my female characters are treated much differently than my male characters, especially in a heroic environment where chivalry is not dead. But to the main point of the topic, words are the primary role playing vehicle. We don't have a lot of control over much else that conveys personality. Accents and phrases really emphasize the character's demeanor.
Last point: You can make some really good looking chicks. Doesn't that make all the hassle and gender confusion worth it? Just kidding people. Thanks for reading.