I used to ride with men, they could get the testosterone going on steep, high drop-offs and psyche themselves into doing them, whereas I was just plain old frightened with no (male) hormonal help.
Having said that, I do like technical stuff, like to get both wheels in the air, like to race and ride long events. I am competitive, even now that I'm older.
I fix my own bikes, can build wheels, can fix cars (although I don't these days), am interested in computers and "man things". My bikes live in my lounge/kitchen, I have my own tools. In fact a couple of men have said to me that I should have been a man! I think that says more about them than me though.
To the OP: yes, I think there IS a difference between women who ride bikes and women who don't.