What kind of fitness level do you like?
Whatever bellow body building type. Not especially because of the muscles, but because I prefer my girls to not try hard to looks like a man. And, due to the fat reduction, it's what tend too happen when a woman try too hard to be fit or pure muscles.
Plus, there's something missing in your list, that focus exclusively on fitness, and not on the effective muscularity. Look at sport women by example, most of them have as much muscles than a body builder girl, but also, except for sprint and long running, more fat.
Here's a sample:
[Veronica from
Pale Carnations]
I really like the game, but always have a problem with this character. I like her personality that is, with Rosalind's one, the best and deepest. But I really dislike the model, that is way too unrealistic.
She's fit without a gram of fat... except on her boobs. Not that all fit girls have to have small boobs, but with those muscles, her boobs are around twice smaller than they would be otherwise ; what obviously would make them enormous. With smaller boobs, she would have felt less weird.
Plus, her face also have too much fat in regard of her level of fitness and a little too small. But, more important, this face is also way to soft for the feeling carried by her body. In each CG where she wear the collar+bow ties, she looks like some Frankenstein's experience, where the body and head of two different persons were put together. It's, relatively speaking, common in real life to have this kind of unfitting combination, but in a game it's something that can be controlled, and therefore should be. Whatever if you decide to add imperfection to your model, to make it looks more realistic, the model should still be a coherent set, what isn't the case here, alas.
