Honestly, even as a male gamer I've never really done the 'bikini mail' thing. The closest I've come to anything of the sort was on an unarmored mage in a desert setting (so she, ah, she had an excuse). Generally my female characters dress either according to taste first (biker leathers, urban camo) for modern settings or according to profession (hardened leather, chain mail, chameleon suit, etc) for settings where such a thing is appropriate.