I went for my bike fit session today. The cost was $85 and he spent two and a half hours with me and my bike, a Cannondale Quick 4.
I had my seat way too high. By about an inch. I think I was making up for the handle bars which were as low as I thought they could go. He lowered the handlebars further by turning the stem upside down. He moved the seat back substantially. Now I know why I always would try to scoot backwards. I needed to move back! He cut off a half an inch on each end of my handlebars and moved the grips inward. I always felt splayed out on the bars. That was the biggest comfort difference for me. Huge.
I rode about 2.5 miles at the shop trying out seats and the changes.
I got a new seat. This is the risky part of the day as I bought a Terry Butterfly carbon. He gave me a good price, much better than the online prices. It feels a lot better than the stock seat but I can't really tell until I put a bunch of miles on it. It matches up OK with my sit bone differential, which was larger than I expected given that I am a very small boned person. For the first time I am riding with a level seat and not squirming around.
It does feel a bit odd to have dropped my seat down. I guess I got used to being stretched out too much.
Things that I learned:
--I told the place where I bought the bike that I felt the handlebars were too wide. It was my only complaint about the bike and it was a complaint I had about every flat bar bike. They did not suggest cutting them down. That is disappointing.
--The rough fit done at the place where I bought the bike was a seat height adjustment only and removal of a spacer on the handlebars. I have no idea if they originally set the seat at the right height because I messed around with it a lot trying to get comfortable. I should have sprung for a real fitting when I bought the bike as the seat has always been too far forward. But I was passing through town and in a rush. But I've only had the bike a month so I guess it is not so bad to have waited.
--The stock seat on the extra small women's specific Quick 4 is a men's seat and is very long. Gee thanks Cannondale. The seat was unlikely to fit anyone that would fit this very small bike.
--I bought the correct size bike by getting this very small frame. Props to Cannondale for making such a small frame available. My arms are short. The smallest comparable Trek, which I also looked at, would likely have been too big. Several bike stores tried to sell me the smallest Trek. One even tried to sell me one size up from the smallest Trek.
--The stock handlebars are too wide and not proportionately reduced on the very small frame size. Even if I would have bought the most expensive Cannondale Quick the bars would be too wide.
Interesting learning experience! I hope it pays off. I'll know more when I ride over the next few days.

