It is much easier for me to simply list the few characters of mine that *have* reached the level cap. Most of them are not at the level cap now, as games have a strange custom of raising level caps every few years.
In World of Warcraft I had one character at 60 and another nearly at 60 when they decided to raise the cap to 70; Sacacorchos made it there in the final weeks that we played the game.
In Age of Conan I again only got one to 80, which is still the level cap now. Poor Arthes the Bear Shaman is on level 79.
At one time I had four at the level cap in LOTRO: but they moved it twice, and all of them are currently scrambling to catch up.
And finally there is Jord, in SWTOR.
It does seem that most of them are girls. This was never a habit of mine when I was young; I think it developed in RPGs and later MMOs in response to Am&a (almost) always playing boy characters. No commonalities in terms of character role in the game leap out at me. Generally, I would be happy – or at least, I say I would be happy – if all the mechanics were hidden and the character experienced the game purely as a story.