If you want Indepth, look at 3J's suggestions. I would also suggest OMS (Order of the Midnight Sun) and the Walmart Game. If you are just looking for good games after you read all those suggested, look for Necromancer by Endmaster, a lot of people like that one from what I've heard, including myself. Also check out the Homo Perfectus series.
The reason why there is normally just one gender per story is because a lot of the experiences in the story are gender-specific, like attractions (I know that could include homosexuals, but that would just be another branch that would take too long) and emotions.