It's been awhile since you posted, but I had to chime in as I faced the same issue three months ago. I'm 4'10" and had a terrible time finding a bike that fit. I looked at a Trek 7.5 WSD, but was worried because I didn't have the 1-inch clearance. I bought the bike; I've been riding and have had to stop short a couple of times. The clearance is not an issue.