I can't speak for all women, but the hand size/strength thing really applies to me. I will learn how to make a repair but when I go to try it myself, I find I can't turn whatever bolt needs to be loosened! Even things as simple as a seat adjustment can be difficult. I also agree a big hindrance to me is the lack of cargo space on a bike. I have 2 kids that I need to get to daycare and back, with all of their "luggage". One is only 4 months old, so even if I go the cargo bike route, which I'm considering, I wouldn't be able to start that until she's at least a year old. When my husband is able to take the kids to daycare I commute by bike, and am not fearful for myself (though my town is only moderately bike-friendly) but I don't know how comfortable I'd be with my kids on board.

I will say in my smallish office there are 4 regular bike-commuters, 2 of us are women!