I'm not raising this as an exception (because it absolutely is, and the larger point should stand) but as a "you might find this series appealing," if that's OK.

Kim Harrison's Hollows series features an urban fantasy female protagonist who admittedly does make some dumb decisions, but not because she wants/needs to be saved by a guy; more importantly, the first dozen books or so emphasize a remarkable dance of seduction between her purportedly heterosexual self and her bisexual vampire roommate. (I won't spoil whether the UST ever becomes realized, but its mere existence was gratifying for me.) That roommate is also portrayed as incredibly, terrifyingly dangerous, which was satisfying to me in a different way; we so rarely get female characters who are presented as legitimately "will kill you and eat you like an unrepentant monster if things get out of hand."