Well, in a Todoroki turns into a girl fanfiction, perhaps there's a villain who has a transformation quirk and uses it on Todoroki as a form of psychological warfare. Todoroki, now a girl, has to find a way to reverse the effect. In the process, he/she realizes that society treats female heroes differently and has to fight against those prejudices too. Maybe he/she even uses this new form to her advantage in some battles, by using the element of surprise.
His friends would probably take care of him. Midoriya would be very eager to help, using his kind-hearted nature. He would make sure Todoroki is fed and comfortable.
His relationship with Midoriya might change. Midoriya could become more protective of Todoroki as a girl, seeing her as more vulnerable. With Bakugo, there could be a different dynamic. Bakugo might initially tease Todoroki more, but as he sees Todoroki still being strong in her new form, he might develop a new respect for her.
Well, in this kind of fanfiction, probably his friends would be super shocked at first. They might struggle to take care of him as he's now a baby. His powers could also be affected in some strange ways, like they might be uncontrollable or show up in unexpected forms since he's in a baby's body.
One possible scenario could be that in this fanfiction, the change forces Kratos to view the world from a different perspective. As a girl, he might face different challenges and reactions from the other characters. Maybe the gods who once feared him now underestimate him, leading to some interesting power dynamics.
Perhaps in a parallel universe, Superman is born as a girl. This version of her grows up with different experiences and challenges. She could be more in tune with female issues in society and use her powers to fight for gender equality as well as the usual superhero stuff like saving the world from villains and disasters.
Another possibility is that Finn - now a girl - discovers new powers or abilities that were hidden before. Since in many stories, a change in gender can sometimes bring out different aspects of a character. She could use these newfound powers to fight against the villains in Ooo in a more creative way than before.
Maybe in this fanfiction, Midoriya as a girl discovers new aspects of her power. Since her body has changed, the way she channels her quirk might also be different. She could then have to train all over again to master this new way of using her ability.
Physically, of course, there would be obvious changes. But personality - wise, he might become more in touch with his emotions. In the original, Lelouch was often very calculating and hid his true feelings. As a girl, society in the story might expect her to be more open about her emotions, which could force her to confront and express them more.
One idea could be that Steven turns into a girl due to a magical mishap. Maybe he was trying to help a gem with a spell and it backfired. As a girl, he could struggle with how others perceive him differently, but also discover new aspects of his personality. He might have to learn new ways to fight and use his powers, adding an interesting twist to the story.