The female version of a "Fred" is a "Wilma". I understand it to be the one who buys a super expensive bike (way beyond their riding abilities), and ALL THE GEAR you can think of to go with it, trying to look like they "belong", when in fact they have very little in the way of biking skill or technique. They are just trying way too hard. They're "wannabes".
I don't think they're the ones who are actually trying, but look like dorks. Not sure what they're called.

