Whatever the scenario calls for.
As a creator, it's natural to build things that represent your own background and experience. But, it can be rewarding to venture outside of your comfort zone and try to put yourself in the shoes of someone different.
Unfortunately, in many games, women and minorities are depicted in a stereotypical way, or, even worse, exist as mere visual skins, with little thought as to how such characters would really act.
That being said, I think creators should be free to make whatever creative decision they want. As we've seen lately, some people disagree.