I have a Terry Classic and love it. It fits me perfectly, which has made me a lot more confident in the saddle because I feel more in control of the bike. Although I'm not short (5'5" tall), I have short legs and a petite frame. The smaller front wheel hasn't been a problem at all--you won't notice the difference. One of the best things about Terry is their fantastic customer service. The LBS where I bought my classic couldn't provide me w/an owner's manual, so I dashed off an email to Terry and got a response right away. A couple days later, they priority mailed me the manual (which, by the way, is the easiest-to-understand owner's manual I've ever read).
I love my Classic so much that I went in search of another Terry. I wanted to "graduate" to drop handlebars :-) haha. Anyway, I have another Terry on the way -- a limited edition racing/road bike I bought used.
I highly recommend you test ride a Terry :-)



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