There is a formal 108 bead Juzu most Senseis carry, but I don't think I've ever seen a layman with one.
In fact many don't even have 27 beads, but just the number that based on the size of the beads, fits the hands.
I have one given to me by my Sensei and it has 20 large bodhi seeds.
I have another with Jade beads and it has 27.
When I first visited my Temple I was given one with 27 white beads.
As noted above, since we do not count recitations of anything in Shinshu, the number of beads is only slightly symbolic, but not functionally important.
As far as women's versus men's, some of it will be about men generally having bigger hands, and otherwise just that some things tend to look more feminine, and other things look more masculine.
If you Juzu fits your hands and you like the appearance of it, it really doesn't matter.
Namo Amida Butsu