It’s definitely worse for a female. Have you ever tried holding a large mirror between you knees while simultaneously keeping your vagina lips open while also finding an infinitesimal buried hole while then threading in a catheter? We’re not octopi. At least men can actually SEE where to put the catheter.
It causes pain, bleeding, and infections in women, too. Something like 95% of UTIs happen to women. Our urethra is always way smaller than a man’s. And since our pee hole is in our clitoral hood, it absolutely goes through our “g” spot as well.
It doesn’t matter; it’s not a contest.