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You are right that the shoulders can be a problem less so in the modern days when lots of women use gym’s.
The tummy problem is not that women don’t have them the problem is where they are situated.
Women tend to initially put weight on just above the pelvic bone
Their waist expands proportionately with the rest of their body till finally, their waistline goes.
On the other hand, Man’s problem is the first place that gains dimension is just under the breast especially as you age.
It is having weight gain in exactly the one place that women get it last that makes it a problem.
But as I have said previously a good corset and clever foundation can move it where it should be.