Me again. Sorry for posting so much, but I really appreciate your feedback. Per my earlier post below, I'm now looking into returning the Marin Mill Valley I bought and searching for something with a lower standover height.

Because I'm 4'10" with a 26.25" inseam (we remeasured a few more times), I've identified only 8 bikes that MIGHT have short enough top tubes and standover height for me (that I can afford). I've eliminated drop-down handlebars, comfort bikes and "step-through" frames from my search.

Please let me know if you've had a chance to ride any of these or your thoughts on the brands, etc. In addition to fit, I'm interested in how they'd perform on the roads since I'd like to keep up with my husband's Marin (if I get a mtb, i'd swap tires for slicks).

Trek 7300
Trek 800 or 820
Bianchi Ocelot
Jamis Cross Country
Schwinn Propulsion FS
Schwinn Frontier 2.6
Terry Susan B. (i've test-ridden, but would appreciate feedback)

Again, thank you so much!