Ghusl is obligatory on men and women alike in case of ejaculation, even if the two circumcised parts do not meet, whether this happens as a result of manual stimulation or otherwise.

It is permissible for a person to take a shower naked because this was reported from the Prophet (peace and blessings of Allah be upon him).

You should not delay ghusl after having sexual intercourse with your wife in Ramadan so that you can pray Fajr with the congregation in the mosque.

It is permissible to delay ghusl until the time of Fajr but it is recommended for the husband and wife to do wudu before they sleep.

Washing the hair when doing ghusl (full ablution) after having intercourse is obligatory. This ruling does not differentiate between men and women.