The bechdel test is just a tool that tells you exactly what it does on the tin: if there are two women who talk to each other about something other than a man. Yes, once you have a female protagonist that helps a lot.
You can still have perfectly horrible games that pass it and great games that fail it. It’s controversial because so much material fails it, and that the test should be trivial to pass. Also keep in mind that movies are just ~2 hours long and story driven games have around ~8-60 hours of gameplay.
If you’re playing puzzlers/creative indie games with no story/dialog, then no, you don’t have to particularly care about the results of the bechdel test. It’s about as relevant as applying it to table top games like scrabble or a modern dance piece.
Playing as a female character helps, but still doesn’t necessarily seal the deal if no other female characters exist. For example, Heavy Rain lets you play as Madison, but she doesn’t talk to any other women. Metroid, well you can argue whether or not Mother Brain counts as a second. Other games barely squeak by: In Heavenly Sword Nariko only has Kai to speak to in her village, and No One Lives Forever happens to have a villain who is a woman.
And yes, I originally also did ask for a list of games that star a sole female protagonist, as they are incredibly rare.