the reid is Rashi’s daughters were well-learned too, and even wrote some of the Rashis (eg the end of pesachim).
To be clear, I’m not advocating teaching women gemara in the beis Yaakovs. Reb Moshe ZT”L clearly paskened against it, and he was the poseik hador- despite the story with his great-grandmother. But if a women decides to learn Gemara on her own, there is no need to stop her, as per the Prisha 246:16. I’m not sure whose psak the top seminaries ( the ones that produce the wives for the best bachurim in Lakewood) are following, but it does seem to be closer to Rav Soloveitchik than Reb Moshe. The Torah Temimah’s Mekor Baruch lists a bunch of women who were as learned as his aunt, although since they put the abridged translation in cheirem the original may have fallen out of favor. In other words, the issue isn’t as cut-and-dried as it looks, although I wouldn’t argue on Reb Moshe ZT”L. The top seminaries seem to be, though. I would love to know their mekor.
I’m still partial to Rabbi Orlovsky’s explanation- to get to the bottom of things in the gemara, you need to be logically argumentative, which doesn’t come easily to most women. And everyone agrees that women need to learn the laws relating to them- Shabbos, challah, etc. The question is, in today’s highly polarized world, can a woman choose to learn Gemara on her own in a non-politicized way, or is it automatically like women’s tzitzis?
All agree that a man and woman should learn halachos together, and should learn musar together. So they can be chavrusos even without violating the stimas hagedolim.