It depends on whether there will be downloadable versions of this game in the eshop or not.
If the games are available for download, I'll get both games (one physical copy, one digital copy) and one character for each game: male for Y, female for X. Otherwise, I'll get only the Y version and pick the male character.
"If you want to know what a man's like, take a good look at how he treats his inferiors, not his equals." -Sirius Black