The standover test is not a good way to choose a bike size. Standover has to be adequate of course, but the really important measurements are between the points where your body touches the bike. The distance between pedals and saddle can be adjusted easily as it's easy to raise the saddle, so this frame measurement isn't the most critical as long as you have adequate standover because you can't change that. The distance between saddle and handlebars is much harder to adjust, so this is the one that is most important to get right on your frame. You can adjust the saddle back and forward a bit, and you can adjust the stem length, but adjusting the stem changes handling, so you can't go too far there.
I recommend that you test ride as many bikes as you can and look at the 'effective top tube' length of the bikes you feel are most comfortable, then pick a bike size that's in your comfortable range.
As for women's bikes, some companies just add pink accents, call it 'women's' and charge more. Others (like Specialized) change the geometry. Often the effective top tube measurement (which controls reach) is shorter for a woman's bike than a man's bike of equivalent size. So if you have longer legs and shorter torso than average, a woman's bike will probably fit better. This also means that on a woman's bike with a shorter top tube, you'll have less standover than on a unisex bike with the same effective top tube measurement. I'm a woman, but I have a relatively long torso, so I generally find that unisex bikes fit me better. I often end up cutting the bars.
If you can, test bikes and go to a bike shop where staff have lots of experience mountain biking to get some good advice.