So, my search for my first bike has transformed into me wondering if I should just save up for a custom built bike ala Luna Cycles..

Key facts: zero experience riding, 5'0, 43cm inseam, haven't done any test rides (too short=nothing in stock), needing a light touring/commuter/city road bike, undecided on the 650 vs 700 wheels

Does it make more sense to:

a. Get something economical (i.e. an older model Jamis, maybe?) and see what works/doesn't work?

b. Pay (a lot ) more initially and get a bike that fits perfectly the first time

How many of you shorter riders have eventually ended up on a custom built bike? Do you wish you had started on a custom in the first place?