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I see 'gal' more as the opposite of 'guy'.
For 'dude', perhaps the female would be 'chick' or 'babe'?
Interestingly, 'babe' can also be used as a term of endearment for both male and female. If anyone remembers, Sonny and Cher sang, to each other, "I got you, babe".
Best wishes, Clive
Personally I think the female version should be called plain 'dud' unless she is a 'bombshell.'
The speaker often gives a little laugh, after saying it. (Everyone else just smiles wanly.)
People are waiting to help.
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