Perry,
Like you were already saying, it seems prety common for female lizards to have small bulges where a males hemipinile bulges are. I am not sure what these lumps are made of, but I would assume that they are just muscle, or maybe vestigial pockets that don't really have a purpose in females.
As far as redbacks coloring up, it does depend on the locale and individual. Some are just better looking than others, some color up faster, some slower. I would expect a full color change to take at least 3 to 5 years, sometimes longer. Some continue to develop more black through their whole life. There really is no set standard.

I hope this helped.

Nick

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