IMO, you probably need a bike with 650 wheels. Smaller bikes with 700c wheels are going to have steep seat tube angles (75-76 degrees), which will tend to put you in a more aggressive position that might not be comfortable.

A quick glance at the Trek & Specialized websites indicates they're not using 650 wheels in the small sizes. Felt is using 650 wheels on their small women's bike but for reasons inexplicable to me still have steep seat tube angles.

Not carbon, but the Merlin Camena (and Litespeed Bella) has a slacker seat tube angle and 650s on it's smallest sizes. You should at least ride one for comparison.