The problem with the single mesh UV topology for both male and female is that it doesnt work. Example: Kyle 1.5, which is my go-to mesh these days, is based off Krystal, and the result is that the chest textures on Kyle get shoved way out of proportion and squeezed into the valley between Krystal's breasts, something that also affects how clothing is rebuilt in Wardrobe Wizard: it's like it's looking for breasts that no longer exist because the UVs are telling it that they're there. I've finally figured how to make it work, but only through a lot of trial and error, and even then it's not as good as it could be.

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