Need I point out that there'll never be a female Doctor, leaving all this sophistry moot? Moffat may have turned Doctor Who into rotten bastardised filth that make RTD's atrocities look like all time classics by comparison, but even he's not so cretinous as to break the show entirely.
Your opinions about RTD and Moffat's eras aside, how exactly would having a female Doctor "break the show entirely"?
Because it'll be a gimmick. In years time
if the twelfth doctor is indeed a female (which I doubt now), people will always remember the twelfth doctor as "the female one". Plus with Moffat behind it, it will be as bad as that mess "the doctors wife".
Do you think of Captain Sisko as "the black one"? If you do, my friend, you've got more problems than any of us can solve for you right now. If you don't, however, than why do you argue that a female Doctor would only be known as "the female one"? What if this female character also, through the stars aligning, turned out to be the best-written, best-acted version of the Doctor the show had ever seen? If you cast Emma Thompson, for example, you'd easily have the best actor to ever play the role. Most of the actors who have played the Doctor have been B-level at best. (No Patrick Stewarts or Ian McKellan's, quality-wise.)
Also, if, from now on, every second Doctor or so were a female, twenty-five years from now, people will be surprised to find that anyone ever once had a problem with it. They wouldn't think of the 12th Doctor as the "female one," because many of them would be female. Like all shocking changes, it would eventually become normal.
You know what else was a gimmick? The first interracial kiss on television. So was recasting Starbuck as a woman. So was having a black Captain. Call it a gimmick if you like, but it's only a gimmick if it's done badly. If it's done really well, it's called courageous writing. Now, I agree with you that a female Doctor under Moffat's reign would likely be a disaster, but the answer to that is, get rid of Moffat. Moffat couldn't capture a male Doctor properly either.