For the life of me I cannot understand the appeal of Judy or Panam. Neither of them is attractive, nor are they interesting characters. Judy is somewhat decent I'll admit.
Judy is ok as character, I don't really like her too because of the way she behaves, but at least she has some personality.
Panam...indeed, she is 100% fanservice product, just consider the fact the game introduces this character to the player starting from showing us her ass
Then she's beautiful, kind, loyal, brave, everyone's keep telling her what a great leader she is etc. Too much of Mary Sue
However I like the look of Panam more than Judy's, she's obviously more attractive