That's such a good point, yes, wearing hijab and topi isn't enough, it's the behaviour that's important. I've seen people in my family and people who aren't family alike behaving in all kinds of manners. Even people who did hadj and/or umra. Yet nobody cares what they do, because they wear hijab or have the 'title' hadji/hadja.
It also depends on where you live. Sometimes people misinterpret your behaviour and intentions. I started to wear hiyab of my own choice some years ago, I was reading more about Islam, I wanted to know what real Islam was, because my parents, my family follow wrong Islam, they have too much cultural Islam, and because of that, culture is more important for them than Islam even though they wouldn't always admit that in front of others.
Anyway, people reacted strangely, when I started to wear hijab. I was becoming more religious. I wanted to do everything as it's really supposed to be done. So I also stopped shaking hands with males, stopped looking in the eyes of males, only went out with hijab, etc. Niqab is something I don't agree with, so that I never used. But it was misinterpreted, I was only interested in my religion. And people started to lie about me. "Why does she cover herself completely?" - "Why doesn't she shake hands any more with males?" - "Why does she only talk now with males if necesary and why does she ignore them when she doesn't have to talk to them?" - "Why doesn't she look at males?" - "Why doesn't she show her body line, she wears clothes that don't fit tight on her body?" - etc. etc. etc. I don't live in an Islamic country. They give you many problems and they make up lies against you here if you want to live as you're supposed to according to Islam. You can't really do parda if you're alone here. You get in trouble if you do that.
So I guess it all depends on the females character, upbringing, but also where she lives. It's difficult to be 'completely' Islamic in everything, if you live in a non-Islamic country. Even if you do have hayaa or sharm.