I agree with what the others are saying. Take test rides, find an LBS you can work with.

When it comes to women specific bikes, they are based on the assumption that we have shorter torsos and smaller hands than men. If a men's bike is more comfortable, get the men's. I bought a WSB, but the handlebars were too narrow for my broad shoulders, so I had the shop replace them.

As far as budget, keep in mind that you may be able to save a few hundred dollars by getting a new bike that is 1-2 years old and has been sitting on the shop floor. The changes from year-to-year are so small that new riders aren't going to see any difference. You will also need that money for accessories such as helmet, shoes, and shorts.