I have found TCO is a common problem on stock bikes in the 50cm or less size range. Yes, some companies avoid if by making compromises to the geometry, but the only stock bikes I have found that don't have it without compromising the geometry are terrys and cervelos (at least the 48cm RS, my fav bike), which usually use smaller sized wheels in the smaller sized frames. The bottom line is that its very difficult to build a 50 cm or smaller frame with good handling and no TCO using wheels larger than 650c.
Whether you will adjust is very personal. Many say they do, I prefer to purchase bikes that don't have it so I don't know.



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