Yeh, I'm sure it would be different for every person. For me, If I was worried about being hit there, I would wear a chest guard. If she's not wearing a chest guard, one would assume she won't be bothered when you're doing a drill and you hit her in the solar. Erase the fact that you're sparing with a 'girl'. Equal rights and all that. You've got to be a pretty hardcore chick to get involved in MA!