You (the woman) are in the best position to answer your question. That is, you know best what you prefer.
Some things to consider -
If you tend to dress conservatively, you may find that a plain, vintage ladies watch works best.
if you like to be fashionable, you may find that a larger, men's watch is more to your liking.
When it comes to 'jewels' on rep watches, my advice is to steer clear. They never look real, regardless of the seller's hyperbole. Similarly, unless you absolutely must have gold, it is best to stick with stainless steel models. The reason is that the more features on a rep, the more likely they are to betray the watch as a rep. More & more people today are educating themselves to the telltale signs of reps. So, while a plain ladies Oyster Perpetual, Date or Datejust model may not broadcast the fact that you have are wearing a 'Rolex', it also tends to be very difficult to ID as a rep since the rep makers have pretty much gotten the basics down to a consistent science.
Finally, to my eye, old money does not need to shout, so they tend to opt for more understated jewelry, while the nouveau riche, having grown up without money, tend to feel the need to broadcast their wealth with flashy jewelry.