I'm 5'2 and have determined that the 48" in many touring bike brands is too big. I'm wondering if I should be looking at a different style of bike which is not strickly touring as I'll be credit card touring and the load will be light.

My next option to try is the Surly LHT in a 46, which one of the bike stores is going to assemble for me.

Looking for suggestions,
Thanks...