You're right Sue, the difference between the two avatars is too much. Although I think there is a Unity library from where avatars can be obtained, so WGT may not be entirely to blame for the size difference.
You are close with your putter details...
...as far as I can remember, some or maybe all Nike equipment had its purchase level reduced by 5, to make it available to more members before Nike was removed from the shop. My own Nike putter was a level 51 but now shows as a level 46.
The way the female avatar is holding the putter is a bit odd as well. As she is shorter, she is holding the grip nearer the bottom which makes sense, but the angle of the shaft is tipped over more compared to the male avatar, therefore the putter head is tipped up. She has also closed the putter face so now if she hits the ball, it's going to go off to the left instead of straight ahead, lol.
She needs to go back to the pro shop for some adjustments. ; )