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if it's a birthday present consider a gift certificate to a LBS you've checked out and like (one that communicates well, has a good reputation for service, etc).
Wrap the gift certificate and present it to her on her BD. Or ....
Take her out for dinner to an eatery near a LBS. Casually stroll by the shop on the way or after "oh, let's just look in" and casually mention "Happy birthday darling, look around and when you're ready I will buy you the bike you want." :) Or ....
Get her a bike jersey (hint, from TE. See link above and to the left to shop). Wrap it up.
"But honey, I don't have a bike. :confused:"
"Look in the jersey pocket" :) And put the bike shop GC there. :)
Chicks dig this kinda thing ;) YMMV :rolleyes: oh, and introduce her to this forum.
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You don't have to be doing anything "hardcore" to want a bike that fits. I've never done anything hardcore on my bike, but I appreciate that it doesn't hurt to ride it every time I get on it. I think she'd be better off with a mediocre bike that fits than a hot-shot bike that can't be made comfortable. Good luck with your shopping.
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Keep in mind too that as long as the frame fits, she can always upgrade components later. And until you're talking about material differences for the frame (carbon vs. aluminum, etc) - the components are where most of the cost factors in.