I am new to road riding also, about 9 months now. The thing I've learned is measurements and recommendations are great, but take what is comfortable for you. I am riding a 50cm Novara carema pro '06, and I love it. LBS (Local Bike Shop) says it is too big. But I don't, they are all men. I have long legs 31" inseam and need the longer frame, but have a short torso, so had to go WSD (women specific design). So take your time.
BTW: I am military,also, yes my paycheck is meeger, LOL.