Here's something I was thinking the other day, so expect this to feel like a rambling :P
Every so often you'll find an article by some game developer talking about how they made a female character that they consider isn't oversexualized and go into depth as to how they designed her. Also every time I tend to dislike such articles. Putting aside the fact that it's bragging about something that should be expected, there's also the problem that the kind of thinking that led to such decisions is usually wrong for starters.
Off the top of my head (and this is my opinion, so I'm probably wrong somewhere):
Essentially, in an attempt to try to make the game more inclusive, these designers end up overthinking it and the end result backfires. This is probably why the suggestion is to just get a woman on board (even if just to make comments!).
If for whatever reason you insist on doing it but you can't find a woman available for commenting (let's face it, not everybody wants to be involved in a game or has enough time to be involved in one) then probably the best is to design the character like you'd design a male one then gender flip the resulting concept (and work on that). I know it sounds stupid but it works if you aren't trying to think too much about it:
In other words: next time you design a female character, just don't overthink it and go design her like you'd design anybody else. And please consider before talking about it because chances are you'll just coming around as some chap who likes to brag for no reason (better focus on talking why you like the character instead!).