If the one in the first pic is a female, it should begin flowering soon as well. You should however probably be able to see preflowers, it looks like it's a couple months old right?

The second pic is a female flower. That's what you are after. I have heard of people smoking males and getting high, but they dry the leaves, not the nanners, and smoke them. I don't know if you get high, but I have heard of that being done to determine which males to breed with. I have never smoked a male, and don't really have the desire to.

As far as topping the plants in the woods, it's hard to tell. You usually would want a week or 2 minimum for your plant to recover from being topped before triggering flowering. In your case mother nature is in control, you may top them now and they start to flower next week. Who knows? Follow your gut. You say you can grow into October? That gives you about 10 weeks or so left, enough to finish an indica, and get near the end of a sativa. As long as any ladies start soon, you should get a viable product at the end of the season.