I am 5' 4 1/2" tall and ride a 50 so the size you are suggesting sounds really big. Your LBS is worth a visit. Not only can they advise you, they know who has used bikes for sale, or maybe they even have a bulletin board. If you get a used bike locally, you can get them to check it out before you buy it and find out if there is something seriously wrong (and costs you in the long run) I am a great believer in buying local if possible. You just do not know what you are getting on eBay, and I have heard alot of fraud stories on there. Some of the bikes are hot and just not worth the hassle. We do not have craigslist where I am so can't speak for that one.