Record syntax default value for accessor

As I was writing up an answer just now, I ran across an interesting problem:

data Gender = Male | Female
            deriving (Eq, Show)

data Age = Baby | Child | PreTeen | Adult
         deriving (Eq, Show, Ord)

data Clothing = Pants Gender Age
              | Shirt Gender Age
              | Skirt Age         -- assumed to be Female
              deriving (Show, Eq)

Suppose I wish to write the final data type with record syntax:

data Clothing = Pants {gender :: Gender, age :: Age}
              | Shirt {gender :: Gender, age :: Age}
              | Skirt {age :: Age}
              deriving (Show, Eq)

The problem is, I want gender $ Skirt foo to always evaluate to Female (regardless of foo, which is an Age). I can think of a few ways to accomplish this, but they require that I either

1. use smart constructors, theoretically allowing Skirt Male foo but not exposing Constructors
2. define my own gender function

With #1, by not exposing the constructor in the module, I effectively prevent users of the module from taking advantage of record syntax. With #2, I have to forego record syntax entirely, or define an additional function gender', which again defeats record syntax.

Is there a way to both take advantage of record syntax, and also provide a "default", unchangeable value for one of my constructors? I am open to non-record-syntax solutions as well (lenses, perhaps?) as long as they are just as elegant (or moreso).