From information in Observer effect there was a potential Hell of a backstory for Hoshi.
A Gambler, Black belt, good with one of the older style Phaser pistols.
All things that a female gambler would need. Especially is she sat in on a game where there was a sore loser who would look for an easy taget and pick a female. Hoshi would need to be able to defend herself.
Actuallly, she sounded like she could have been a sort of buccaneer.
I like the image of a slightly dangerous, Gambling Hoshi. Rather than the timid Hoshi we got in the series.