Deb, you sound like you have long legs and very short torso/arm reach. Be aware of getting a "larger" frame because of your legs/standover height, and then having reach problems because of the top tube length on a large frame. Might be a bigger problem for you especially if you choose 700 wheels (which require a longer bike to avoid toe overlap. Because of your shorter reach, you might wind up having to get a really short stem in order to feel balanced. Keep the proportion between standover frame size and top tube reach in mind when planning your bike, because your proportions are quite different than a typical man your same height.