We probably don't need generic female avatars since the existing female players will be selectable. If we had unplayable female avatars people would be asking to make them playable.
It's suddenly occured to me that you have a problem using opponents as player avatars as not one of them has less than 4 items of clothing. That means you'll have to modify each one of them to keep the game balance we discussed when I suggested upping the player items to 4 as an easy mode option.. Most opponents have at least 4 items, and that's without including the modesty part of the undressing.