Cindy,

I have a Trek 5200 WSD, so I am prejudiced towards Trek ;-) ......... I am also 5'2. The geometry and measurements of the Trek 200 WSD and the 5200 WSD are almost identical. Mine fits me beautifully, better than any bike I have ever ridden. However, I have never ridden a Terry...... It's very unfortunate that you can't ride either bike before buying one! That is always the best way to go. Do you know of anyone who has either bike who would let you borrow it for a test ride? If you order a bike and don't like it, will the shop let you return it? Where do you think you would get better service, an important item to think of unless you can do your own? As for the bikes themselves, compare the components. Is one a better deal than the other one?

I guarantee a midget can keep up with a giant! (For one thing, you can always tuck in behind him. He won't have as much luck doing that to you!) A good bike that fits you correctly will make a big difference in your riding.

Good luck. It's a tough decision.

Annie