Honestly, you can label everything as discrimination if you want to.
If I have a game set in the mythical amazonia, would not including male amazon warrior be "discrimination"? OR would including them be even MORE discrimination?
Frankly, trying to shoehorn every race/religion/sex/whatever into every setting can easily be interpreted as a even worse kind of discrimination (if you think about it). It basicly tells you "you cannot be reasonable and rational enough to accept this". It's an apporach that assumes poeple will be short-sighted, superficial, and frankly, it's insulting to humanity as a whole.
Unfortunately it's not entirely untrue...remeber LOTR and how some people started to accuse it of racism because there weren't black people in it?
To my mind, the writer/developer is the OLNY authority that matters. Everyone else can go SFTO. If the author made a setting with mostly women, then it 's like that. Period. If he made a setting where atheism rules, religious folk should shut up. If all the characters are black, white people should shut up. If the developers make all the characters asians of black females, it's their right to do so.
And for me, accurate portrayl of human behavior is more important than any scientifical accuracy. I can accept FTL and plasma cannons. But humans acting non-human like is far mroe difficult to reconcile with.
With that said, toggles sound nice, but like everything, they carry a development cost with them. Someone has to spend time to code it in. Resources. They arne't infinite.