Hi, I'm 5'2" also and I bought a 7200FX woman's 15" frame. Here are my thoughts:
1. No, I don't think it's unreasonable for you to want to have fitting done before you buy.
2. In my experience, all the LBSs in my town don't give you much attention unless you're buying a more expensive bike. I hope that's not true for you.
3. The hybrids are made to be pretty adjustable, and we had no problem adjusting the reach on mine. We had more problems adjusting the seat back far enough so that my knees were in a proper position.
So I was frustrated with the buying process, and worried about fit, but went ahead b/c I liked the ride the best. And it HAS turned out OK. I can do 20 mile rides without any discomfort, but I am still totally frustrated with LBS.
I would recommend being very clear and direct that you have specific issues with your neck and shoulders (not just "worried about fit") and if necesssary ask them for a specific time to come in when they aren't too busy so someone can really help you. If you ask that, and they still hem and haw, don't be afraid to ask the manager. Also, I wouldn't be afraid to say that you like the handlebars on the giant better, and want to make sure you can get the same level of comfort on a trek, or they might lose the sale. But I can be an aggressive East Coast witch if I get too frustrated!



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