Judy isnt completely rude, just being mistrustful because you're strange gangster and brought a dangerous plan, that she has to be involved. At least, she was carefully for you for using first time unfiltered BD. It's a business, no friendship - that's NCs life said by V personally.lol i don't think so
Judy is completely rude if you are playing as male atleast...for most part of the story, she changes after the Cloud. Panam had a better and more organic development. I doubt the same team developed every character...so many inconsistencies.
She started to trust you to find Evelyn, although she knew you just want info. She get very annoyed if you tried to talk Evelyn to get Info.
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Panam - same mistrustful, gruffly and had been recently back-stabbing by own partner. She get very annoyed if you keep talk about your plan for Hellmann.
Judy and Panam are bold, how they talk as if they are sister - for me.