Thanks for all the suggestions. I've been trying to be specific about the fit concerns, but apparently I don't have the right vocabulary yet. And, yes, I suspect that my price range may have a bit to do with it (although I'd look at a more expensive bike, if anyone had one I could ride). One shop suggested starting with a low-end road bike because they're more adjustable, but I'm not ready yet for the drop handles and the skinny tires.

Given LA traffic (I'm in the Valley), I'm afraid that an orange county bike shop might as well be on Mars! Funnily enough, the shops that have been nicest about suggestions on fit have been the smaller ones that just don't have the bikes in stock - and I can't bring myself to order one sight unseen.

Thanks again, Cathy