I would agree with the need for a WSD. Any of the models geared for the US should have frame sizes that would work for you, I'm sure that Trek does, their largest WSD frame just barely fits me and I'm 5'7" ish with a longer torso than most ladies. I fit a 54 Specialized Ruby, I know that they come in 48. I loved the bike and would suggest a test ride. I think it's a good value and you can get different component packages.