I don't like to self-insert, so I'm fine with playing as the opposite sex. I could launch into a rant about player surrogates, (Gordon Freeman, Bethesda protagonists, etc.) but I don't think this is the right thread for that.
I play both genders fairly often. doesn't bother me to play as a woman. In these types of games you can see different content from that experience. I dunno, I think both are good.
I pretty much exclusively play as women models in the game because I find their outfits much sleeker/more interesting when it comes down to the nitty-gritty. Especially in MMOs where clothing or classes are gender locked. I think more often than not, I find the majority of players in MMO play females and it's only really a problem when it comes to catfishing in guilds/statics/etc.
I'd 100% cute boys in maid outfits if an MMO would let me, but it never tends to go that way, so Cafe Cuties cosplay it is for me on female models.