I specifically say "A bit harder. Hair, chest and clothing."
If you wanna go for a more natual animation, If the Hair is longer, is more difficult to animate, same for chest. Clothing varies, of course.
I'm talking specifically in 2D Animations, from my experience.
Again, I should've typed for a "regular" human being.
A bit harder/difficult: Not by much, but still harder.
And again, in my experience from animating both 2D and 3D, it's not.
Again, it all comes down to what they look like and how you want them to move, this includes in a more natural movement.
Short hair woman with smaller, near non-existent breasts wearing a bikini vs a long hair obese man wearing nothing but shorts. I mean, if we're going to go with the more natural style and animation, I can tell you that obese man is gonna be hard to animate because of fat rolls alone.
Different clothes exist between the genders, some even wear the opposite gender's' clothing, so if a regular man is wearing a dress and a regular woman is wearing suit, the dress is going to be harder to animate regardless who wears it.
To make the my point clear; women are not at all harder to animate, not even a tiny bit, compared to men. It all comes down to how you design them and how you want to move them. Men are just as much capable to have long, extravagant hair just as women are capable of having short and unwavering hair. Men can wear long flowing robes while women can wear a shirt and pants. Natural or exaggerated, both have unlimited potential in design and animation, body, clothes, hair, chest, etc. One is not naturally harder or easier than the other.