And another plug for the Titus Racer-X (mine is an XXS). The only full-suss bike that would fit - but don't be fooled by the stated stand-over height on their website (unless they have changed it). It's nowhere near as low as they state - I called them up & they said they were quoting the height where the top tube met the seat tube - the part you couldn't stand over if you tried . . .

By the way - I think the Blur might actually have a lower standover than the Juliana??? But it's all pretty marginal. I also considered putting 24" wheels on my Titus (I am about 5'1"), but decided not to in the end. Someone else on this forum has apparently done it very successfully.