My strategy in The Witcher 3 is to always do the lowest-leveled quest, so I never end up too strong for any of them. However, through the course of Velen, I've gone from "the lowest leveled quest is 1-2 levels above Geralt, guess I'll do my best" to "the lowest leveled quest is 1-2 levels below Geralt, might as well just get it out of the way."
I also, as a guy, play girls in games, but mostly because it makes sense. Fallout 3 got me on that, where there was a perk (Black Widow or Lady Killer depending on your gender) that would grant you a buy/sell bonus against merchants of the opposite sex, and a damage buff against them as well. So I'd play a girl because most of the villains were male. The best early vendor is a woman, but she also gives a ton of quests, so I'm never really hurting for money by selling her stuff I find along the way. As soon as I got to Rivet City (the aircraft carrier in the south), I'd start focusing on the male vendors, at least until I had a decent amount of money. In games like Mass Effect and Cyberpunk 2077, it just seems like a poor choice to play the guy. Like, they hired a male voice actor to record the lines for guys who couldn't stomach playing a woman, guys who could never play Tomb Raider for example, but I feel like they went out of their way to get a really good voice actor for the female version. Saints Row is actually an outlier here since the guy can be voiced by Troy Baker, but Laura Bailey's almost equally good, so it's not like the female Boss is a bad choice or even a lesser one.