Peel, you are right. We have it easy on this front.
In all the years I have been doing this I have never heard any advice for a woman that wants to carry a gun that was universal. There are so many different (and all glorious) female body types that no one answer is best - let alone options that will work with all of the fashion choices one makes.
I think a multitude of options that cover an individuals most common fashion style and work with their individual body type and lifestyle (job, hobbies, activity level, etc…) is probably the way, but damned if I know what works best.
My buddy Jules had a pretty good system that eventually turned into the Phlster Enigma. That may be a place to start.
Another option that is not always ideal, but may be the best option is either waist-pack carry or if necessary off-body in a purse or bag - but they each have their own set of difficulties and safety concerns to overcome.
But, before you do anything, you need to decide on your particular carry piece. Then work on a total system of gun, holster, and carry method that will compliment your life and style choices.