In a 'luigi turns into a girl' fanfiction, the plot might involve Luigi being transformed due to a strange experiment gone wrong in the Mushroom Kingdom's science lab. His new female form causes a stir among the inhabitants. He could struggle with how others perceive him now. For example, some characters might treat him differently. However, he also uses this opportunity to see the world from a different perspective and becomes more confident in himself over time.
Bowser could be the main antagonist. He might see Luigi's transformation as an opportunity to mess with Mario and the Mushroom Kingdom. He could try to use Luigi's new form to his advantage, perhaps by trying to make Luigi a spy or by using his new identity to cause chaos among the kingdom's residents.
Mario would definitely be a main character. Since Luigi is his brother, he would be the one most concerned about Luigi's transformation and would do everything he could to help him. Princess Peach could also be a main character. She might offer her castle as a safe place for baby Luigi and use her resources to find a solution. Toad could be there too, helping Mario with taking care of Luigi and providing useful information about the kingdom that could lead to reversing the spell.
Maybe there's a new villain in the kingdom who has a device that can transform enemies into harmless forms, like turning Luigi into a baby. The villain wants to use this to stop Luigi and Mario from interfering with his evil plans. Mario has to protect baby Luigi from the villain's minions while looking for a way to break the transformation. This could involve exploring new areas of the kingdom and meeting new characters who might have the knowledge to reverse it.
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.