As to female main character, I don't mind it. The funny thing is, when I play as a female character almost all the male ones seem to me like morons, idiots and perverts.
That's easy. Yes, there is one.
I haven't seen Milfy City yet, have to check it out.
More power is better if a dev has skills to make use of it. Even if all the power is not used right away, it's still nice to know you have features available is case you need them one day. Extra power and flexibility can make simple things more difficult to achieve, but it mostly depends on the dev's skills. Things that seem too complicated to beginners become just some extra typing when you have the experience, and typing is the easiest part of programming.