1) Go test ride a lot of bikes and 2) find a shop with a FitBike that will do a very careful position analysis. You don't have to be hunched over on a road bike. Some have higher front ends (head tubes) and shorter top tubes than others. Racers like the opposite so they can get stretched out and low on the bike but this isn't a good position for recreational centuries. With a good bike fit, a good shop should be able to tell you what frames might work for you.
Jo's recommendation of a Rambouillet is good for an all around frame that will soak up the jars of bad Bay Area pavement and give you all day comfort. Salsa is bringing out a new bike called the Casseroll which I find intriguing. Read the description. Much the same attitude as the Rambouillet at a lower price tag.



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