Off the top of my head, I can't think of a female heroine that I stuck with til the end of the book. LK Hamilton's Anita Blake had a decent heroine until she lost a lot of cred with me for needing a d*ck fix every three pages.
Oh, you know what, I like Phillippa Gregory's heroines. I think I like them because I understand what they're fighting for, what they're so angry about, etc. Most other books I've read have females just being angry to be angry, or overinflated to "hide an insecure side." Don't even get me started about the Twilight chick...
I understand TSTL. I understand that there are moments where people lose all logic, and act in the worst way possible. Those moments often make really good stories to tell grandkids. I totally get it, because I do it too. I panic.
When I'm watching a horror movie, I'm yelling right along with the audience: "Don't go up the f*cking stairs, go outside!" Or whatever seems to be the more logical choice. 9 times out of 10, I'll probably do the logical choice IRL. But yeah, I'll do that TSTL moment too. I think it makes for an interesting character. An honest to goodness average or better than average Mary Sue who has one or two TSTL moments would be a readable story for me. What I'd be skeptical of is a heroine who is *always* put together and *never* had a TSTL moment.
Lastly, I don't like it when an author has to dress the heroine in sexy clothes to make her sexy. I think the sexiness and beauty should come from what she does and what she thinks. Not how she looks, or (lord help me) flirty things she says.
My humble 2 coppers,
J