So I have to buy both new outfit packs at 520 SG each if I want to have a hooded female character?

Honestly only the mission pass seems to be worth for SG (as well as the rare good looking accessory I spot and buy if I have enough to be next months mission pass), the costume packs were a hard sell in the first place but to have a unisex item separated into one genders pack is kind of silly. That also includes the hairstyle in the female pack since it would look good even on a male character.

Based on the past few Fresh Finds runs, the hairstyles will more than likely be available for purchase on their own at some point during this run of Recommended items, you just need to keep your eyes open for when they do.