i am not having overlap issues with cannondale synapse fem 4 with 700cc wheels on 47cm frame (small)-- i guess i could force it to cause a problem, but only by turning the handlebars right backwards and not in a turn--

the c'dale 47cm synapse fem frames is a perfect fit-- up to 30 miles since got bike 30 weeks ago and not a bit of soreness, jarring, pain, NOTHING - and if you knew how until i am, you would know how much this is cos of the synapse and not cos of me-- it was only $50 more at my LBS than the specialized dolce elite...

i couldnt afford the bike i bought either - my budget was for $700 and ending up spending $1049 (oops!) but sooooo made the right decision - i wanted a bike i would enjoy to ride, not something i wasnt happy with that i would not have looked fwd to getting out on... my advice, humbly suggested, is see if you can do the c'dale somehow-- nice 1 step up from basic but not into the big money... especially as it fit you like a dream - so many of the posts on here seem to be poor bike fot related, so if you have found THE ONE that fits, it might be worth stretching a little if you can...

look fwd to hearing more, whichever way you decide...
batsheva