Ghouls make sense, its just radiation poisoning its not gender related. The FEV virus changes your physiology and I'm assuming your genitals are crushed under all the added muscle, that much testosterone everyone would sound like a dude.
Why do you guys whine over it not being like Fallout and Fallout 2? That's like being pissed that every Grand Theft Auto is different.
You will most probably set your own SPECIAL stats, just like in Fallout 3. It's just a silly introducing. Bethesda keeps up that stuff since... ever.
Was there any part of your Vegas rescue you would like to change?