Yes, we wouldn't want cliches and stereotypes in GTA, would we?
I think a female main character is inevitable. We might even see her in the PS3's time. Personally, I'd rather they just let us make out own character, with female as an option, but thats me. I also think a better hallmark for GTA would be cars that don't have gremlins in them during races.
I just hope that doesn't become her defining trait, that she isn't "the girl" among GTA characters. At the same time, if her being a woman never comes into play in an important way, why make her one? But the most obvious ways of doing this are to either make her girly, which wouldn't work, or make her sexy, which often seems to be the end of the creative process for female characters. Maybe try making her kind of like Heather in Silent Hill 3. She's not video game sexy, but shes not ugly and she's a complete character. Shes in over her head before realizing anything is wrong and has to fight her way out with her soul and a pipe. With fewer religious aspects, this could work for GTA, too. Maybe instead of ridin' on gangs with an itchy trigger finger and a one-liner stolen from Boyz N tha Hood, they ride on her and she isn't too happy about it.
What GTA 4 did was sacrifice fun for realism and thats never a good thing. Fun should always come first
If the right people lived by this, games would be perfect.