When I was looking for the 52cm bike I have now, there were 2 shops that had a 54cm bike left over (I was on a mission to find last years model). I tried out one bike, the top tube and my privates were touching ever so lightly. Reach was a little long and he said "we can make anything fit". Called another, that also had the 54 in stock and he said the same thing. Went on the bikes website to get specific info about the fit. It stated that there should be some room between you and the bar, like 2 finger widths I think but don't quote. I ended up getting a bike out of state, when I called to see if he had one in a 52 he said you must be around 5' 2" to 5' 5". I replied yes and he said that is the best fit for you at your height. I wanted a little room between that bar and my privates in case I ever came down hard on that bar for some reason, I wanted a little forgiving space. And I am glad I didn't jump into the first 2 bikes because I don't think I would be happy. GOod luck, read all that you can, try out all the bikes that you can to help make the right decision. Then ENJOY!