I have the smallest size stock Rodriguez with 650c wheels and I'm very happy with it. Excellent customer service, too.

If you're petite but are dead set on 700c wheels, I wouldn't be surprised if the guys at R+E tried to talk you out of it, so be prepared for that. If you read their newsletter you'll see that they are fans of 650c for smaller bikes . . . and accordingly they stock plenty of supplies to support the number of 650c bikes that they sell. Which is handy if you live nearby.

I have the Rainier Mirage -- haven't done any loaded touring on it, but have done a bit of research re racks & bags so I know there are options for a smaller-framed bike. I did not opt for S&S couplers, as I have a folder that I would probably use for long distance travel.

MM_QFC's new Seven has S&S couplers, she might have some thoughts on the experience of breaking the bike down and building it up again . . .

I imagine any custom builder could put S&S couplers on your bike.

Check out Indy Fab, which is closer to you and can also do S&S couplers as an option:
http://www.ifbikes.com/OurBikes/Road..._Independence/

I haven't personally dealt with them, but whenever I've met someone with an Indy Fab they seem to be completely in love with their bikes!