Hi mtkitchn,
I'm 5'2" and a half (!!!), and I have comfortably ridden bikes in the 44.5 cm (Terry Isis) to 46 cm (Aegis Swift) range. Basically, I need a bike with a top tube around 19" or just a wee bit longer so that I can get a long enough stem on the bike for good handling. I would have probably been more comfy on the 44 cm Swift as the standover of the 46 cm is just a little high for me (it has a flat, not a slanted) top tube. So....I'd say I am probably a 44 cm gal. My inseam is around 28" to 28.5", depending on who is doing the measuring. I also like short and shallow handlebars (have Salsa Pocos on my Swift and Bike Friday) and prefer Campy to Shimano, though I have bikes with both.
Anyway, this is just a ballpark for you -- I know some gals my height who ride 48-49 cm bikes, but not this chick!
Emily
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow