Steven Moffat adjusts his answer to the question of a female Doctor in a rather interesting way.
“In my head, rationally, it seems to me - you know how human beings are never completely male or female; you’re mostly a woman, I’m mostly a man? - that maybe a male Time Lord is someone most of whose regenerations are male,” Moffat continued. “Maybe he’ll have a couple of female ones. The science-fiction of that would make sense to me. Otherwise I think life might be a little bit complicated on Gallifrey - or would it? I don’t think they’d care.”