Based on your preferences here I would probably recommend Trudi Canavan over Mercedes Lackey for stronger female protagonist and more ass-kickery.

I've read (and liked!) the Black Magician trilogy. I've just looked up Trudi and noticed that as well as having a whole other series out there she lives not just in my country, or even my city. She lives in my very suburb. I expect geographical loyalty will make the series that much more enjoyable. :)

I should note that I don't actually mind male ass-kicking either, just with the former stipulations regarding naivety. The Eregion books, for example, were borderline. I cut them some slack because the author himself was a child. An awful lot of an author seeps through into their books.