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.