User blog comment:StoryGirl83/Pay It Twice/@comment-37484301-20190801181446/@comment-37484301-20190802021827

Yup you got it!

and like I think most/all the books, TH:M - if you play as 1 gender, you have to pay again for the other gender's premium clothes. I bought most of the female's but when I went to play as a male MC, I'd have to buy them again (so I didn't).

I don't think I've ever heard/seen where you buy a female outfit and get the male outfit included :(