For me it sorta depends on how engaged I am in the game or think I will be. My default for third person perspective is female because as others have said you are staring at your character constantly. For cyberpunk I did male as it is not third person except when driving and the whole relationship thing. I did the same for baldurs gate again because of the npc interactions. champions I tended to make males as super heroes are closer to my heart so wanted them to be more like me. Another thing though is in many games females can be made smaller and have a smaller hitbox or have other small effects. I made my dragons dogma and elden ring female. I almost always make my characters as small as possible male or female if third person. Even outside of hitbox your character blocks your view.