I'mma go with the guy, because I am one. Although if I ever start my file again I'll probably go as the girl just to shake things up a bit- but going as the guy, first.
I usually name my character either my own real-life name, or Gira, or the name of the game (as in the Manga- ie. Blue, Gold, Ruby, White, etc). But I can't really call my character "White 2", so I may go with Gira.