Let me make this simple: As long as you're giving back to the culture where the specific thing originated at it is not cultural appropriation.
This is fair. However, it can be much easier said than done in some cases. In the case of HZD, given it is inspired by various cultures (ranging from east asian to nordic to inuit to native americans) instead of imitating them, the most I can think they can do is to put their sources in acknowledgement.
☑ white
☑ straight
☑ cis
☑ able-bodied
☐ male
progress
Yes, it has ways to go. However, it is strong start. Commercial successes allow developers to hit back against marketing regressives who have generally been made accountable for rejecting female leads because of commercial viability concerns.
There sure are a lot of people who want to dismiss the importance of a woman lead in big budget AAA game.
In case you don't get it, of course it's important and significant that a woman lead is able to sell as much as HZD did. It matters a lot to have different perspectives that go outside of the dominant majority way of always centering white men in blockbuster videogames. There are definitely some people who picked it up precisely because it wasn't yet another scruffy white dude shooting things.
Are you surprised by this? You should look at the thread that raised questions about the lack of racial and gender diversity in Squadron 42 and it was littered with similar response. Fact is, these people, almost all exclusively boys/men have been so accustomed to status quo that they believe that it is "the normal". Equating female lead with "a rock" or "don't care" shows the depth of apathy that runs within the gaming culture.
And that when you challenge the norm by putting in the title "right thing" you invite immediate defensive reactions from certain people/men/boys who fail to understand that perhaps not trying for more equitable representation for women is perhaps "less right" than supporting so.
This culture of status quo is inherently regressive and toxic. And as evidenced by the responses in this thread, gaming culture continues to be trash (especially now that notable publishers are joining the fray on the side of status quo under the guise of being edgy).