7 years ago I was active on GTA Forums and after a lot of discussion I cooked up an idea for a female protagonist in GTA V. I've copy and pasted it here. Bear in mind I've changed a lot in all these years and not all of my views then are valid today:
Franklin should have been a woman. Not a stereotypical "ass kicking" bullsh*t woman but a Madam (female pimp). She'd have a rags-to-riches story that sees her start out as a stripper/street hooker (these would be full-fledged, controversial minigames) building up to working in a classy brothel and eventually having a lucrative hooker empire of her own. On the side, she'd build up her physical strength and killing skills with Michael and Trevor (she'd start out with very low strength and shooting skills but high driving skills like Franklin) and act as the bait/getaway driver in heists.
Some kind of sordid lust triangle between the three could play an amusing part that factors into the ending you choose, not sure about that though. To make things more interesting, she could also come from a gang background, either the Families or even an Asian gang. Lamar would be her protector figure and she'd have Chop to protect her too. She'd be involved with the Families through Lamar and as the story progressed she'd become increasingly lethal and just as badass as Trevor and Michael. Eventually she might help Lamar take back Grove Street for the Families, as well as be involved in drama with her own gang (nepotism, infighting etc).
She'd have the assassination missions in a Nikita femme-fatale style as well as pimping missions (picking up a hooker with her would work like recruitment did in SA, although massively expanded) Being a woman, the story would change in many ways, other character's attitudes to her would be of great relevance, and how those attitudes change. The main point to her character would be as a parallel to Trevor: he acts psychotic, like Scarface, but underneath he has a sensitive side. She'd be the opposite, acting exactly the way she needs to in any given situation, in order to get to the top. She'd play the sweet girl, the charming lady, the liberal slut, but underneath she'd be cold and calculating, and cruel, viciously, remorselessly cruel.
The torture minigame would be with her, not Trevor (imagine the controversy of a female torturer- she'd contrast the pain of the torture with the promised pleasures of the flesh to get into the victim's head). For a final, ultimate twist, she could even be a corrupt cop (she's a two faced ***** remember!?) out to get the the other two right from the start for personal reasons that stretch right back to North Yankton ten years ago.
The final choice? Side with her and kill the others (or just one) or side with the others and kill her. She'd have vigilante-style cop missions as a result, too. Her wardrobe would be the biggest of the three, naturally and the most varied by far. Hair colour and styles would be massively varied, and her tan could be varied too in order to become the perfect bait for her targets (unless she's black of course- I'd say her ideal ethnicity would be mixed Oriental/Hispanic/Native American/WASP- would create a very versatile look ALA Vanessa Hudgens, as well as a plethora of storyline options for gangs etc).
Such a character would be very challenging for R* to write and the fans to accept, but that's the whole point. If you don't like playing as a woman, you have two guys to choose from instead.
TL; DR: Franklin should have had boobs and been called Kaytlin (KT everyone would call her).