I am so totally in the same position. I can not decide which bike for me. I am 4'10" and I am in the exact same positon, and it's driving me crazy. I will continue to look at bikes, I talked to the Terry people and they are definately willing to work with me so I will continue to research the Terry bikes. I have to find someone to put it together I live in an area that is not particularlly bike friendly. Keep me informed.