Other than the basket in front, the only difference is that the female version is far more convenient to get up on and get back down from. And you never accidentally crush your "package" (as a male) when using the female model.
So why does the male version have that bar going straight from the front to under the saddle? I've wondered about this since I was a kid. It almost seems like it should be the other way around: the females don't have a "package" to accidentally and painfully crush.
I don't understand why either model would have the bar so inconveniently placed as in the male version.
There must be some benefit to this design which I don't realize. But what is that?