A female Bond would be awesome and I think the possible issues with Bond being black just makes it all the more interesting, I mean what better way to compare/contrast the difference than to have a black man play a traditionally white man's role.
That said in the UK I don't see how a man in a suit would be treated any differently because of his colour, generally a suit says "fuck off, I have the money and intelligence to sue you" and in Africa or the Middle East or Southwest Asia (I'm opening this to being coloured in general) not being white would be quite advantageous, I mean the new guy in his first movie, in Africa, they were so obvious and spy agencies are well aware that if they're sending agents abroad the agent needs to be able to blend in.
Getting back to the female Bond, I can't get over how awesome that would be, I guess she'd be something like Lara Croft as played by Angelina Jolie, although female protagonists don't seem to take half as many hits as male ones do, both in hand to hand or gunfights, it's a struggle to imagine Jolie playing move for move Daniel Craig's role in Skyfall, for example getting shot in the chest during the train chase, the first time. Nor are female protagonists "allowed" to be so sexually aggressive, when Bond takes notice of a woman you know in a scene or two he's going to be fucking her, a female Bond might catch up with an old flame, but not just pick up someone in a bar.
But I'd like to see a sexually assertive, mildly sociopathic, heavy drinking female protagonist who is almost always wearing a suit, or if a dress then one that lets her move and for fucksake no high heels, nothing shits me more than an "action chick" in heels.
Kill Bill did this well, the female protagonist got wounded and wore somewhat appropriate clothing for a fighter (the pants could have been less tight) so at no point was there ever an impression that she was any less of a badass for being a chick.