Another possibility is that an alien race that Ben has previously encountered and thought was friendly, now turns against him/her because of the change in gender. They might have some strange beliefs or customs that make them view Ben's new form as a threat or an abomination, and thus they become the main antagonists in the fanfic.
It could be Vilgax. He might see Ben 10's new form as a weakness and try to take advantage of it.
Maybe a malevolent scientist who has a grudge against female heroes. He believes that only men should have such powers and sets out to take the Omnitrix from Ben and use it for his own evil purposes. He underestimates Ben because she is a girl but soon realizes his mistake.
It could be Vilgax. He might see the chaos caused by the monster girl transformations as an opportunity to finally defeat Ben. He could try to use the monster girls' new powers against Ben or even find a way to control them to do his bidding.
Perhaps an old acquaintance of Ryuuji's who has some unresolved issues with him. When Ryuuji turns into a girl, this person sees it as an opportunity to get revenge in a more devious way. They might try to manipulate the situation and the people around Ryuuji to make her life miserable, all while hiding their true motives from others.
Hex could also be a main antagonist. He might be jealous of the Lucky Girl's natural powers and try to corrupt her or use her powers for his own evil magic. He could set up traps and illusions to try and capture her, and also try to turn Ben against her so he can deal with them separately.
The main antagonist could be an alien who has a vendetta against Ben specifically. This alien might be able to sense Ben's true identity even when he's dressed as a girl. He could try to expose Ben and foil his mission or just cause general chaos while Ben is in his disguised state.
It could be a character who is against the idea of Percy being a girl. Maybe someone who believes in strict gender roles in their world and sees Percy's transformation as an abomination. For example, an old - fashioned wizard or a powerful deity.
Vilgax could be a great main antagonist. He has a long - standing feud with Ben and his appearance would immediately up the stakes. He could also manipulate Kevin into turning against Ben for a while.
Perhaps the main antagonist could be a former ally of Ben who has turned bad. After dawn, this character reveals their true intentions and starts causing trouble for Ben. They might have some sort of grudge against Ben or be power - hungry and see the Omnitrix as a means to gain ultimate power. They could use their knowledge of Ben's abilities and weaknesses to their advantage.
It could be an alien bounty hunter. This bounty hunter has been hired to capture Ben in his stuck - as - alien form. The hunter might have some special gadgets or powers that make it difficult for Ben to escape. And he's not interested in Ben's well - being, just in getting the reward for bringing him in.