Yes, these are quite annoying, aren’t they, but there are work-arounds.
1: Number 1 is a bug that has been there a while, and I don’t think Jeff will be fixing it any time soon. When you click to load the Standard Female, what actually loads is the Male Fantasy Warrior template for some reason. The way to get the actual Female Standard template is to click the “Template” option at the bottom, and find it on there. You will also see some other templates. I find the Female Fantasy Warrior quite a good one to use as a starting point.
2 and 3: Jeff just hasn’t got round to adding the Left feet and hands for girls yet. Don’t worry, he’ll get there. For now, you’ll need to make two copies of the right hand or foot, flip one and move it over to where you want it. I know it’s a pain to have to do it every time, so why not create your own template and load that up? That way you can get it exactly how you want it.