mmouwse - Based on the measurements you give, I think the bike will fit you well. You definitely don't need an XXS at 5'3", and your inseam is very close to mine, so you'll be fine with the stand-over. Your reach should be fine too since you're slightly taller than me. You can always change the stem if you need more or less reach too, so long as the frame basically fits.

As for HT vs FS, I started with a HT but found it pretty uncomfortable. I LOVE the full-suspension. At my age (47), I just don't care to be bumped around too much, and while it's true that my skills haven't developed much, it has nothing to do with the bike and everything to do with the type of rider I am. I just like to tool around on the trails, nothing too technical. At my age, and after breaking my pelvis in a road cycling accident, I'm just not going to be jumping logs or doing see-saws or drops, and that's fine with me. I just like being able to ride in places I can't take a road bike, and while the Racer-X is far more bike than I need or deserve, I loved the fact that it is so lightweight. I only weigh about 103-104 so needed a bike I could get up the hills. Most full-suspensions are heavier than hardtails, but not the Titus Racer-X.

Everyone's experience is different, but I just love my Racer-X and know there are others on this forum who have them and love them too.

(And don't worry, I don't know scotte so am not trying to sell you his bike! Just sharing my experiences with a great bike!)