On one hand, it's really not difficult to simply refer to people in the way that they prefer.
But nor should it be too difficult to apply a modicum of nuance when assessing someone's intentions.
Yes, referring to a woman or girl as a "female" is less technically correct, but there's nothing inherently problematic about it either.
It's a shame the word has been co-opted by some gross groups of people because making blanket statements about people using the word being creepy, or having suspect views on women, is hyperbolic.
But in saying that, address people how they want to be addressed.